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Ramalingam Kalirajan |10874 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Aug 12, 2025

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

Question by Balaraman on Aug 11, 2025Hindi

Money

i am 57 years now and wanted to retire in 58. i have own house in chennai and also getting 75000 rs as rental income from other houses. I have both the parents and wife. I have corpus fund of 60000000 INR at the time of retirement. My living spend per month after retirement has been estimated as 1,25,000 INR per month. Pl advice whether my corpus fund will be sufficient for my living in chennai up to 80 years of my age. I have medical insurance of 25,00,000 for self and spouse and my parents has their own medical insurance.

Ans: You have done very well in building wealth and securing assets.
You have a good rental income stream.
Your medical cover for self, spouse, and parents is also a plus.

» current income and expense balance
– You will get Rs. 75,000 per month as rental income.
– Your monthly living cost is estimated at Rs. 1,25,000.
– This means you will need Rs. 50,000 extra every month from your corpus.
– This gap will slowly increase due to inflation in future.
– Your corpus of Rs. 6 crore will help meet this gap if managed well.

» impact of inflation on your plan
– Inflation will increase living costs over time.
– Even at 6% inflation, your expenses may double in about 12 years.
– This means your Rs. 1,25,000 today could become Rs. 2,50,000 at your age 70.
– Rental income may also rise, but not at the same pace as expenses.
– You need to invest in assets that beat inflation after tax.

» investment risk and safety
– You should keep a mix of safe and growth-oriented investments.
– Pure fixed deposits may not beat inflation over 22 years.
– All money in safe products will lose value in real terms.
– All money in aggressive products will face risk during market fall.
– Balanced allocation can protect capital and give steady growth.

» cash flow management post retirement
– Keep at least 2 years of expenses in safe and liquid products.
– This gives you peace in case of market downturns.
– Rest of the corpus can be in diversified growth products.
– Withdraw regularly from growth products for monthly gap.
– This method keeps withdrawals stable even in volatile markets.

» role of medical insurance and health fund
– You already have Rs. 25 lakh cover for self and spouse.
– Your parents also have their own cover.
– Keep aside extra health reserve in safe instruments for uncovered costs.
– Medical inflation is higher than general inflation.
– Regularly review your health cover benefits and renewal terms.

» income tax impact on retirement plan
– Your rental income will be taxable as per your slab.
– Withdrawals from investments will also attract capital gains tax.
– For equity mutual funds, long-term capital gains above Rs. 1.25 lakh are taxed at 12.5%.
– Short-term equity gains are taxed at 20%.
– Debt mutual fund gains are taxed as per your slab.
– Plan withdrawals to reduce tax leakage and keep more in hand.

» safe withdrawal approach
– Do not take out too much in early years.
– Withdraw only the monthly gap needed after rental income.
– In good market years, you may withdraw slightly more for large expenses.
– In bad market years, draw from the liquid reserve instead.
– This protects the growth corpus from panic selling.

» importance of asset allocation review
– At retirement, you may keep around 30% in safe products.
– 70% can be in well-managed diversified growth-oriented products.
– Review allocation every year and rebalance to original plan.
– This keeps the risk in control and avoids emotional investment decisions.

» contingency fund beyond living costs
– Keep extra reserve for unexpected large repairs, family support, or emergencies.
– This avoids disturbance to main corpus.
– Store this fund in very safe and easy access investments.
– Review this reserve every 5 years.

» estate and legacy planning
– With such corpus and properties, make a clear Will now.
– Mention property division and investment handling in detail.
– Appoint trustworthy executors.
– Share document locations with family in advance.
– Keep nomination updated in all investments and bank accounts.

» lifestyle and spending discipline
– You have enough to maintain comfort.
– Avoid unnecessary large lifestyle jumps after retirement.
– This keeps your corpus safe for longer period.
– Review expenses once in 2 years to control overspending.

» risk of over-dependence on rental
– Your rental income is good, but may have vacancy periods.
– Tenants may delay payment or cause property damage.
– Keep some buffer in liquid funds for such rental gaps.
– Review rent agreements regularly and keep escalation clause.

» emotional side of retirement
– Keep yourself engaged in purposeful activities.
– This keeps your mind active and avoids lifestyle boredom.
– Some part-time consulting or mentoring may also give extra income.
– This also delays withdrawals from your main corpus.

» finally
– Your Rs. 6 crore corpus and Rs. 75,000 rental income is a strong base.
– Your plan can work till age 80 and beyond with careful investment.
– Manage inflation risk by keeping balanced allocation between safe and growth assets.
– Keep a health reserve, contingency fund, and written Will.
– Review your plan every year with a qualified Certified Financial Planner.
– Maintain discipline in withdrawals and avoid panic during market falls.
– You are in a good position to enjoy a comfortable retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

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Ramalingam Kalirajan |10874 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Oct 03, 2024

Question by harikrishnan - Oct 02, 2024Hindi

Money

My age is 57 and just taken early retirement. I have a corpus of 2cr invested MF'S. I have three houses, (in Chennai, Hyderabad and Cochin) one we live and rental income of 30k from the other two. No loan or liabilities. My son has completed PhD abroad and have to complete his marriage for which expenses will be from Corpus. Approx 30L. Our monthly expenses are around 70k (withdrawing 30k monthly through swp) and will the corpus and rental be sufficient for our retirement period considering another 25-30 years of life span. Have medical insurance for 30L family floater. Harikrishnan Ramakrishnan

Ans: You have successfully transitioned into early retirement. This is a significant milestone and deserves appreciation. You have a strong financial foundation to support your lifestyle and goals.

Your total corpus of Rs 2 crores invested in mutual funds provides a solid base for your retirement. You also own three properties in Chennai, Hyderabad, and Cochin, with two generating rental income of Rs 30,000 per month.

Your monthly expenses are around Rs 70,000, of which you are withdrawing Rs 30,000 through a Systematic Withdrawal Plan (SWP). You have a well-structured medical insurance policy with coverage of Rs 30 lakhs for your family.

These factors contribute to a promising financial outlook for your retirement years. However, it’s important to evaluate your resources to ensure they are sufficient for your expected lifespan of 25 to 30 years.

Income Sources and Financial Sustainability
Your primary income sources include:

Rental Income: You receive Rs 30,000 monthly from rental properties. This totals Rs 3.6 lakhs annually.

SWP from Mutual Funds: You are withdrawing Rs 30,000 monthly, which amounts to Rs 3.6 lakhs annually as well.

Total Income: Your total annual income from rental and SWP is approximately Rs 7.2 lakhs.

Your estimated expenses of Rs 70,000 per month lead to total annual expenses of Rs 8.4 lakhs.

This creates a shortfall of Rs 1.2 lakhs annually, which will need to be covered by your mutual fund corpus.

Evaluating the Corpus for Longevity
You have Rs 2 crores in mutual funds. Let’s assess how long this corpus can sustain your retirement lifestyle.

Estimated Annual Withdrawals: If you continue with your current SWP of Rs 3.6 lakhs annually, your total withdrawals from the corpus will be Rs 3.6 lakhs.

Impact of Withdrawals on Corpus: If you maintain this withdrawal strategy, the corpus will deplete faster due to your shortfall in income.

Considerations: Based on historical market performance, your mutual fund investments can grow over time. The actual growth will depend on market conditions and the performance of your funds.

Strategies to Ensure Financial Stability
To enhance the sustainability of your retirement corpus, consider the following strategies:

Reassess Your SWP
While your SWP strategy allows for regular income, it may not be the most efficient approach if there are shortfalls.

Recommendation: Evaluate the possibility of adjusting your SWP amount. If possible, consider lowering your monthly withdrawals to better match your income from rentals.

Exploration of Alternative Withdrawals: If you find it challenging to reduce your SWP, think about temporarily pausing your withdrawals until your rental income increases or other sources of income become available.

Explore Investment Growth
Your mutual fund investments are critical for long-term growth. Ensure you are invested in funds that align with your goals.

Recommendation: Focus on actively managed mutual funds with a strong performance track record. These funds have the potential to outperform passive strategies over the long term, especially during volatile market conditions.

Performance Evaluation: Regularly assess the performance of your mutual funds. If some funds consistently underperform, consider reallocating those investments to better-performing options.

Maintain an Emergency Fund
It’s wise to keep an emergency fund to cover unexpected expenses.

Recommendation: Ensure you have enough liquid funds available to cover at least 6 to 12 months of your living expenses. This will help you avoid withdrawing from your investments during market downturns or personal emergencies.

Location of Emergency Fund: Consider keeping this emergency fund in a high-yield savings account or liquid mutual fund for quick access.

Review Monthly Expenses
Regularly reviewing your monthly expenses can help identify areas to save.

Recommendation: Analyze your current expenses to see where cuts can be made. Reducing discretionary spending can increase the longevity of your corpus.

Budgeting: Create a budget that reflects your essential and non-essential expenses. This will allow you to allocate funds more efficiently and identify potential savings.

Preparing for Future Expenses
You mentioned the upcoming marriage of your son, with an expected expense of approximately Rs 30 lakhs. This will impact your corpus significantly.

Recommendation: Plan for this expense well in advance. Since this is a substantial amount, consider allocating a portion of your mutual fund investments specifically for this purpose.

Investment Strategy: To accumulate funds for this expense, you may want to increase your investments temporarily. This could include redirecting a portion of your SWP to a dedicated fund for your son’s marriage.

Healthcare Considerations
You have a family floater medical insurance policy with coverage of Rs 30 lakhs. This is a good measure for health-related expenses in retirement.

Recommendation: Regularly review your health insurance coverage. Ensure it remains adequate as medical costs continue to rise.

Incorporate Health into Financial Planning: Plan for potential healthcare expenses in your overall financial strategy. This may involve setting aside a separate fund for medical emergencies or treatments.

Final Insights
You have a solid financial foundation for your early retirement. Your strategy should focus on ensuring the longevity of your corpus while managing expenses effectively.

Balance Income and Expenses: Continue to monitor your income from rentals and the withdrawals from your mutual funds. This balance is crucial for your financial health.

Consider Additional Income Sources: If possible, explore ways to generate additional income, such as part-time work or freelance opportunities that align with your skills and interests.

Professional Guidance: Consider consulting a Certified Financial Planner for personalized strategies. They can provide tailored insights based on your specific situation and goals.

With careful planning and consistent monitoring, your corpus can sustain your retirement lifestyle for many years. Stay proactive and adapt your strategy as needed.

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

Ramalingam Kalirajan |10874 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 25, 2025

Asked by Anonymous - Feb 22, 2025Hindi

Hi. I am almost 40 and planning to retire. I have a corpus of around 17 cr: about 5 cr in MF, 7.5 cr in vested RSUs, 1.6 cr in AIF, 1 cr in EPF, PPF and NPS, and the remaining across bonds, Savings accounts, ULIPs and others. Is this amount sufficient for me to retire comfortably? My parents are financially independent, My wife and I don't have kids yet, but we are planning to have soon. My wife and I have an health insurance for 30 lakhs and I have a term insurance for 1 cr. We currently live with my parents, at their home, but we are planning to buy one soon. Our monthly expense is about 60k.

Ans: You have done well in accumulating Rs 17 crore before 40. That is a great achievement. Now, let's analyse whether this corpus can support your early retirement.

We will assess your financial situation based on multiple factors.

1. Understanding Your Current Expenses
Your current monthly expenses are Rs 60,000.
Annually, this comes to Rs 7.2 lakh.
Over time, expenses will increase due to inflation.
Expenses will also rise once you have children.
You will need to factor in home purchase costs.
Medical and lifestyle costs will increase with age.
Your actual post-retirement expenses will likely be higher than today.

2. Inflation Impact on Expenses
Inflation reduces the purchasing power of money.
If inflation is 6%, your Rs 60,000 monthly expense will double in 12 years.
Over 40 years, even basic expenses could rise significantly.
Future medical, education, and travel costs will be much higher.
Your retirement corpus should generate inflation-adjusted returns.
Without proper planning, inflation can erode your wealth over time.

3. Corpus Allocation Analysis
Your Rs 17 crore corpus is spread across different assets. Let's analyse their suitability.

Mutual Funds (Rs 5 crore):

Growth potential but subject to market volatility.
Should be actively managed to ensure optimal returns.
RSUs (Rs 7.5 crore):

Dependence on company stock is risky.
Should be diversified to reduce concentration risk.
AIF (Rs 1.6 crore):

Alternative investments are illiquid.
Returns may be uncertain over long periods.
EPF, PPF, and NPS (Rs 1 crore):

Safe but low liquidity and fixed returns.
Suitable for stability, but not for major expenses.
Bonds, ULIPs, and Savings (Remaining corpus):

ULIPs should be surrendered and reinvested in mutual funds.
Bonds provide safety but may not beat inflation.
Savings accounts should only hold emergency funds.
You need a well-balanced portfolio to ensure sustainable retirement income.

4. Cash Flow Planning for Retirement
You need an investment strategy to generate regular income.
Withdrawals should not deplete your corpus too early.
A mix of growth and income assets is essential.
Equity exposure is needed to outpace inflation.
Debt instruments should provide stability.
Safe withdrawal strategies will help in the long term.
A planned withdrawal strategy ensures financial security in retirement.

5. Home Purchase and Its Impact
Buying a house is a major financial decision.
It will reduce your liquid assets significantly.
Real estate is illiquid and cannot be accessed easily.
You should allocate funds carefully without disturbing retirement plans.
Your home purchase should not impact your retirement sustainability.

6. Future Expenses: Children and Healthcare
Raising children involves significant costs.
Education, healthcare, and lifestyle costs will rise.
You may need additional insurance coverage.
Medical inflation is higher than general inflation.
A dedicated health corpus is advisable.
Planning ahead ensures financial security for your family.

7. Risk Management and Asset Allocation
Over-reliance on a single asset class is risky.
RSUs should be diversified to reduce risk.
Equity allocation should be adjusted based on risk tolerance.
A mix of growth and stability-focused investments is key.
Emergency funds should be set aside separately.
Proper asset allocation reduces financial uncertainties in retirement.

8. Tax Efficiency in Withdrawals
Withdrawals should be structured to reduce tax liability.
Equity mutual funds have capital gains tax rules.
Debt investments are taxed as per income slabs.
Selling RSUs may attract capital gains tax.
Proper planning can minimise tax impact.
Tax-efficient withdrawals can maximise your retirement income.

9. Evaluating Your Retirement Sustainability
Your corpus seems sufficient based on current expenses. However, certain factors can impact sustainability.

Inflation will continuously increase expenses.
Market risks can affect investment returns.
Unexpected costs like medical emergencies may arise.
Tax liabilities should be managed efficiently.
Asset rebalancing should be done periodically.
A well-structured plan will ensure a financially secure retirement.

10. Recommendations for Long-Term Stability
Diversify RSUs to reduce dependency on one asset.
Surrender ULIPs and reinvest in mutual funds for better growth.
Allocate funds for children's expenses well in advance.
Maintain equity exposure to beat inflation.
Create a medical corpus beyond health insurance.
Structure withdrawals wisely to avoid excessive taxation.
Review your financial plan every year.
A dynamic approach ensures long-term financial security.

Final Insights
Your Rs 17 crore corpus is strong. But early retirement requires careful planning.

You must protect your wealth from inflation, taxes, and market risks.
A sustainable investment strategy is necessary.
Cash flow planning should be structured for long-term security.
Your home purchase and child planning must be factored in.
Regular financial reviews will keep your plan on track.
With proper management, you can enjoy a financially stress-free retirement.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

Janak Patel |71 Answers |Ask -Follow

MF, PF Expert - Answered on Jun 05, 2025

Question by SIVARAMAKRISHNAN - Jun 02, 2025

Money

I AM 80 YEARS OLD AND STILL WORKING AS A Consultant AND EARNING RS.1.5 LAKHS PER MONTH. I HAVE A CORPUS OF 182 LAKHS CONSISTING OF MF/ FD/ AND STOCKS. I CONTEMPLATE RETIRING IN 6 MONTHS. REQUEST PL.SUGGEST IF MY CURRENT CORPUS WILL SUFFICE UNTIL AGE OF 95. MY MONTHLY EXPENSES ARE RS.50000.00. I HAVE NO LIABILITY AND MY WIFE IS THE ONLY DEPENDENT. SELF AND WIFE ARE CO.VERED UNDER MEDICLAIM.AWAITING UR VALUED OPINION

Ans: Hi Sivaramakrishnan,

Congratulations on having an active working life at the age of 80.

For your monthly expenses of Rs 50000 and assuming an inflation of 7% over the next 15 years, you require approx. Rs 85 lakhs (today).

You already have Rs 182 lakhs (not including any further savings over the next 6 months) invested across MF/ FD/ and STOCKS.

I recommend you have a systematic withdrawal plan from your investments for your annual expenses.
Depending on how you have spread your investments, you can decide on the approach.
For MFs - its simple to do a SWP for an amount each month.
For FDs - you may need to liquidate them, so instead of breaking them, plan to use them at their maturity if its within six months of your requirement. if the maturity is long term, and you have a need then you may need to liquidate. Also check if there is an option to make them Sweep-in type FD, which means that when your account has less balance, it will move money from FD to account. Discuss with your bank on options available to you.
For Stocks - You can decide when to liquidate them. If you wish to move away from stocks, then you can consider investing in so hybrid Mutual fund schemes considering your time horizon.

Overall you will be looking to grow approx. Rs 1 crore over the next 15 years and this can grow to an amount of Rs 3 crores at 8% returns.

So your current corpus is more than sufficient and even if you increase your monthly expenses, you will have a surplus after 15 years.
Happy retirement and a healthy life ahead.

Thanks & Regards
Janak Patel
Certified Financial Planner.

Ramalingam Kalirajan |10874 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Sep 11, 2025

Question by SB - Sep 10, 2025Hindi

Money

Hello Nitin, I am 55 years old planning to retire by 60. I have 75 lakhs in PF (with a monthly contribution of 20,000), 33 lakhs in PPF, 45 lakhs in NPS (with a monthly contribution of 30,000). I also have 70 lakhs in FD, 57 lakhs in MF (with a monthly SIP of 75,000), 23 lakhs in Eauity, and 20 lakhs in corporate bonds. Apart from this I have 2 residential properties of market valuation around 1.5 cr each. My monthly expenditure after retirement should be around 1.5 lakh monthly. Is my corpus sufficient ?

Ans: You have done very well in building your wealth. At 55, you have strong assets and steady contributions. Retirement in five years is realistic for you. But you need a structured approach. Your corpus looks sizeable, yet spending Rs.1.5 lakh monthly for 25+ years needs careful planning.

» Current Financial Position

– PF of Rs.75 lakh with ongoing contribution ensures steady growth.
– PPF of Rs.33 lakh adds tax-free safety to your wealth.
– NPS with Rs.45 lakh and good contribution secures pension-like support.
– FD of Rs.70 lakh gives liquidity but moderate returns.
– Mutual funds worth Rs.57 lakh with strong SIP of Rs.75,000 give long-term growth.
– Direct equity of Rs.23 lakh adds risk but also growth.
– Corporate bonds of Rs.20 lakh balance safety and returns.
– Two residential houses of Rs.1.5 crore each add wealth, though illiquid.

» Corpus Requirement

– You want Rs.1.5 lakh monthly after retirement.
– This means Rs.18 lakh yearly.
– With 25–30 years retirement life, need large support.
– Inflation will raise costs every year.
– Your current assets may appear large, but inflation risk is real.

» Retirement Income Sources

– PF can be withdrawn partly and partly kept earning interest.
– PPF maturity can support early retirement years.
– NPS will force you to buy annuity partly, balance gives lump sum.
– FD and bonds can provide fixed income support.
– Mutual funds can give growth plus regular withdrawals.
– Equity gives long-term inflation protection.
– Rental income can be an additional support if you let out one house.

» Liquidity and Safety

– FD is liquid but taxable.
– PPF and PF are safe but locked until withdrawal.
– Corporate bonds give better returns than FD but carry credit risk.
– Equity and mutual funds are growth-oriented but volatile.
– Need proper balance between liquidity, growth, and safety.

» Why Not Index Funds

– Many people get attracted to index funds at retirement age.
– They think it is simple and safe.
– But index funds just mirror the market and cannot control downside.
– During retirement, market falls can hurt income flow badly.
– Actively managed funds have expert handling to reduce risk.
– Fund managers can adjust to protect senior investors.

» Why Not Direct Funds

– Some prefer direct plans to save cost.
– But saving 0.5% expense ratio is not big.
– Wrong timing or fund mismanagement can cost much more.
– A Certified Financial Planner guided regular plan gives discipline.
– Ongoing review and rebalancing protect from mistakes.
– Retirement money is sensitive, so regular plans are safer.

» Inflation Challenge

– Rs.1.5 lakh today may be Rs.3 lakh in 12 years.
– Healthcare inflation is even higher.
– Lifestyle costs also keep rising.
– Safe products like FD will not beat inflation.
– Growth assets must be part of your retirement mix.

» Role of Mutual Funds

– Mutual funds can generate long-term growth.
– They allow systematic withdrawal after retirement.
– Equity funds protect against inflation.
– Debt funds offer stability for short-term needs.
– Hybrid allocation balances both safety and growth.
– Withdrawals can be managed tax-efficiently with mutual funds.

» Tax Planning

– Equity fund LTCG above Rs.1.25 lakh is taxed at 12.5%.
– STCG on equity funds is taxed at 20%.
– Debt fund returns taxed as per your income slab.
– FD interest is fully taxable each year.
– NPS withdrawal is partly tax-free, partly taxable annuity.
– Proper mix of assets can reduce overall tax outgo.

» Withdrawal Strategy

– Do not withdraw large sums at once.
– Use bucket strategy.
– First bucket: 3 years expenses in debt or FD.
– Second bucket: medium-term in hybrid or debt funds.
– Third bucket: long-term growth in equity mutual funds.
– Refill buckets from growth when markets are good.
– This ensures steady income and reduced risk.

» Role of Insurance

– At this stage, term insurance is less useful.
– But health insurance is must-have.
– Medical costs can wipe savings fast.
– Take adequate cover even in retirement.
– Do not depend only on company health cover.

» Real Estate Position

– Two residential houses create wealth.
– But they are illiquid and cannot easily fund monthly needs.
– If one is rented, rent adds extra income.
– Do not depend on property price appreciation for retirement cash flow.
– Maintain property for legacy, but focus more on financial assets.

» Psychological Comfort

– You already built large corpus.
– That itself gives you confidence.
– But during retirement, market volatility can cause stress.
– Discipline and annual review will reduce fear.
– Focus on steady cash flow instead of chasing highest returns.

» Steps for Next Five Years

– Keep current SIP and contributions till retirement.
– Avoid big new commitments like real estate or loans.
– Increase equity allocation slightly for growth till 60.
– From 58 onwards, slowly move some equity to safer debt.
– Ensure emergency fund of at least 12 months expenses ready by 60.

» Finally

Your current assets are strong. With proper allocation, they can support Rs.1.5 lakh monthly. But you must manage inflation, taxes, and liquidity with care. Keep equity exposure for growth, debt for stability, and FDs for liquidity. Use mutual funds for systematic withdrawals. With discipline and Certified Financial Planner guidance, your retirement can be financially secure and stress-free.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

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Am I ineligible for mbbs?? Will they reject me?

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Sir mera ek doubt hai ki maine class 12th 2024 me diya hai bihar board se aur jee mains first time appear in 2025 bit jee advanced ke liye qulify nahi kar paye to mai jee advanced 2026 ke liye ellible honge aur agar mai nios se dubara 12th de kar jee mains ke form me apperaing fill kar de to kya tab jee advanced 2026 ke liye ellible honge plese sir maine bahut logo se pucha hai lekin koi kabhi koi answer deta hai aur 1 hours baad koi aur answers mai ummeed karta hu ki aap mujhe honest answer denge

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Aap JEE-Advanced 2026 nahi de paoge.

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Question by barnalimahata - Nov 22, 2025Hindi

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I have state government obc from government of West Bengal, my community is also listed in central obc list so do I need to make obc issued by central government for reservation in IIT

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Relationships Expert, Mind Coach - Answered on Dec 08, 2025

Question by Shubha - Dec 07, 2025Hindi

Relationship

Have read some of your answers and I am appalled as to how biased you seem. To most daughters in law you have suggested basically to shut up and best abuse for ‘family peace’ whereas when a man complains of his wife being close to her mother you go like ‘oh what a woman’. Looking at your profile one expects you would teach your clients assertiveness, self respect and fairness.

Ans: Dear Shubha,
Thank you for looking up my responses.
A while back a man accused me of being biased towards the woman and you are accusing me of being biased towards a man; there's no pleasing everyone, yeah?
Whatever you have gleaned to come to a conclusion of 'oh what a woman' and you saying that I am asking people to shut up, is something you may have to reflect upon.
A small guiding tip for you: We read and understand based on what we WANT to read and understand. Without throwing labels here, I can say that a crusader of women's rights will always start with the premise of 'everything is against women' and operate from there; you get the drift? Will help you reflect deeper!
My responses have and will always be objective and will continue to guide people to a better life.

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Anu Krishna
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Ramalingam Kalirajan |10874 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Dec 08, 2025

Asked by Anonymous - Dec 08, 2025Hindi

Money

Hi i am 40M. would request your help to understand what should be the corpus required for retirement as i want to get retired in next 3-5yrs. currently my take home is 2.3L monthly & my wife also works but leaving the job in next 2-3 months. we have a daughter 10yrs, currently i stay on rent and total monthly expense is 1.1L month. once i will retire we will shift in our own parental flat, where hopefully there will be no rent. current Investments 1. 50L in REC bonds getting matured in 2029 2. 42L in stocks 3. 17L in MF 4. 16L FD 5. 15L in PPF 6. 1.3L SIP monthly i do My Wife Investments 1. 30L corpus 2. flat with current value 40L and we get rental of 10K monthly. Please guide what should be the retirement corpus required combined to retire, assuming i need 75L for my daughter post grad and marriage and we would be requiring 75K monthly for our expenses after retiring

Ans: You have explained your income, goals, current assets, and future plans with great clarity. Your early planning spirit is strong. This gives a very good base. You can reach a peaceful retirement with smart steps in the next few years.

» Your Current Position

You are 40 years old. You plan to retire in 3 to 5 years. You earn Rs 2.3 lakh per month. Your wife also works but will stop working soon. You have one daughter aged 10. Your current monthly cost is around Rs 1.1 lakh. This cost will reduce after retirement because you will shift to your parental flat.

Your investment base is already good. You have saved in bonds, stocks, mutual funds, PPF, FD, and SIP. Your wife also has her own savings and rental income from a flat. All these create a good starting point.

This early base helps you plan stronger. It also gives room for more shaping. You are on the right road.

» Your Family Goals

You need Rs 75 lakh for your daughter’s higher education and marriage.

You want Rs 75,000 per month for family living after retirement.

You want to retire in 3 to 5 years.

You will shift to your parental flat after retirement.

You will have rental income of Rs 10,000 from your wife’s flat.

These goals are clear. They give direction. They allow a strong plan.

» Your Present Investments

Your investments include:

Rs 50 lakh in REC bonds maturing in 2029.

Rs 42 lakh in stocks.

Rs 17 lakh in mutual funds.

Rs 16 lakh in fixed deposits.

Rs 15 lakh in PPF.

Rs 1.3 lakh as monthly SIP.

Your wife holds:

Rs 30 lakh corpus.

A flat worth Rs 40 lakh with rent of Rs 10,000 each month.

Your combined net worth is healthy. This gives good power to build your retirement fund in the coming years.

» Understanding Your Expense Need After Retirement

You expect Rs 75,000 per month after retirement. This includes all basic needs. You will not have rent. That reduces cost. This assumption looks fair today.

Your cost will rise with inflation. So you must plan for rising needs. A strong retirement corpus must support rising cost for 40 to 45 years because you are retiring early.

An early retirement needs a large buffer. So you need safety along with growth. Your plan must include growth assets and safety assets.

» How Much Monthly Income You Will Need Later

Rs 75,000 per month is Rs 9 lakh per year. In future years, this cost can rise. If we assume steady rise, your future cost will be much higher.

So the retirement corpus must be designed to:

Give monthly income.

Beat inflation.

Support you for 40 to 45 years.

Protect your family even in market down cycles.

Allow flexibility if your needs change.

A strong retirement fund must support both safety and long-term growth.

» How Much Corpus You Should Target

A safe target is a large and flexible corpus that can support long years without running out of money. For early retirement, the usual thumb rule suggests a very high number. This is because you need income for many decades.

You need a corpus big enough to produce rising income. You also need a cushion for unexpected health costs, lifestyle shocks, and inflation changes.

Your target retirement corpus should be in a strong range. For your needs of Rs 75,000 per month and for goals like daughter’s education and marriage, you should aim for a combined retirement readiness corpus in the higher bracket.

A safe range for your family would be a very large number crossing multiple crores. This large range gives you:

Income safety.

Inflation protection.

Peace during market cycles.

Comfort in long life.

Room for daughter’s future.

Strong backup for health.

You are already on the way due to your existing assets. You will reach close to this range with systematic building over the next 3 to 5 years.

» Why You Need This Larger Corpus

You will retire early. That means more years of living from your corpus. Your corpus must not fall early. It must grow even after retirement. It must give monthly income and long-term family protection.

This is only possible when the corpus is strong and well-structured. A weak corpus creates stress. A strong corpus creates freedom.

Also, your daughter’s future cost must be kept aside. This must be parked in a separate fund. This must not touch your retirement money.

A strong corpus makes these two worlds separate and safe.

» Your Existing Assets and Their Strength

You already have good diversification:

Bonds give safety.

Stocks give growth.

Mutual funds give managed growth.

FD gives stability.

PPF gives tax-free long-term savings.

This blend is already a good start. But you need to make the blend more structured for early retirement.

Your Rs 1.3 lakh monthly SIP is also strong. It builds your future fast. You should continue.

Your wife’s rental income is small but steady. This adds strength.

Your combined financial base can reach your retirement target if you refine your allocation now.

» Your Daughter’s Future Fund Need

You need Rs 75 lakh for your daughter’s education and marriage. You should keep this goal separate from your retirement goal.

Your current SIP and future allocations should create a dedicated fund for this goal. A long-term fund can grow well when managed actively.

Do not mix this fund with your retirement needs. Mixing leads to shortage in old age. Always keep this corpus ring-fenced.

» A Strong Asset Mix For Your Retirement Path

A balanced mix is needed. You need growth assets to beat inflation. You also need stable assets for income.

You must avoid index funds because they do not give flexibility. Index funds follow a fixed index. They cannot make active changes in different markets. They cannot move to better stocks when markets change. They force you to stay in weak sectors for long. They also do not help you in down cycles because they cannot protect you by shifting to safer options. This can hurt retirement planning.

Actively managed funds are better because:

They give active asset selection.

They give scope for better returns.

They give flexibility to change sectors.

They give downside management.

They give access to a skilled fund manager.

They support long-term planning more safely.

Direct plans also carry risk. Direct plans do not give guidance. They do not give behavioural support. They do not give market timing help. They do not give portfolio shaping. They leave all the judgement to you. One mistake can cost years of wealth.

Regular plans with guidance from a Certified Financial Planner help you shape decisions. They help you remain disciplined. They help you avoid panic. They help you decide allocation changes at the right time. This saves wealth in long-term.

» How Your Investment Journey Should Grow in the Next 3–5 Years

Continue your SIP.

Increase SIP when your income rises.

Shift part of your stock holding into planned long-term mutual funds to reduce concentration risk.

Build a defined daughter’s education fund.

Keep a part of your REC bond maturity amount for long-term.

Avoid locking too much into fixed deposits for long periods.

Build a safety fund for one year of expenses.

This will create a full structure.

» Your Rental Income Role

Your rental income of Rs 10,000 per month is small but steady. Over time it will rise. This income will support your monthly cash flow after retirement.

You can use this for utilities or health insurance premiums. This gives a cushion.

» Your Emergency Buffer

You should keep at least one year of essential cost in a safe place. This can be in a liquid account or short-term fund. This protects you in shocks.

Since you plan early retirement, a strong buffer is important. It gives peace even in low months.

» A Structured Retirement Approach

A complete retirement plan for you should include:

A clear monthly income plan after retirement.

A corpus that can grow and protect.

A rising income system that matches inflation.

A separate daughter’s future fund.

A health cover plan for your family.

A tax-efficient withdrawal plan.

A market cycle plan to protect you in tough times.

This holistic approach keeps your family strong for decades.

» What You Should Build by Retirement Year

Your aim should be to reach a strong multi-crore range in investments before retirement. You already hold a large amount. You will add more in the next 3 to 5 years through SIP, stock growth, bond maturity, and disciplined saving.

Once you reach your target range, you can start the shifting process:

Move a part to stable assets.

Keep a part in long-term growth assets.

Create a monthly income strategy.

Keep a reserve bucket.

Keep a child future bucket.

Keep a long-term growth bucket.

This structure protects you in all market conditions.

» Final Insights

Your financial journey is already strong. You have a good income. You have saved well. You have multiple asset types. You have a clear timeline. And you have clear goals. This foundation is solid.

In the next 3 to 5 years, your focus should be on growing your combined corpus to a strong multi-crore range, keeping a separate fund for your daughter, reducing risk in unplanned assets, and building a stable long-term structure.

With the present path and a disciplined structure, you can retire peacefully and support your family with confidence for many decades.

Best Regards,

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

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

Samraat Jadhav |2499 Answers |Ask -Follow

Stock Market Expert - Answered on Dec 08, 2025

Question by Debasis - Dec 06, 2025Hindi

Money

I sold at Rs 3500000.00 lakhs

Ramalingam Kalirajan |10874 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Dec 08, 2025

Question by Saket - Dec 07, 2025Hindi

Money

Hello my name is saket, I monthly salary is 43k and my saving is zero. My Rent is 15 k and 10 k i send to my parents. How can i save money and investments.

Ans: 1. Your Current Monthly Numbers

Salary: Rs 43,000

Rent: Rs 15,000

Support to parents: Rs 10,000

Left with: Rs 18,000 for food, travel, bills, and savings

You have very little room, but saving is still possible if done smartly.

2. First Step: Build a Small Emergency Buffer

You must build Rs 10,000 to Rs 20,000 emergency money.
This protects you from taking loans for small issues.

How to build it:

Save Rs 3,000 to Rs 5,000 every month in a simple bank savings account

Do this for the next few months

Don’t touch it unless truly needed

3. Create a Mini Budget (Very Simple One)

Try this split from the remaining Rs 18,000:

Daily living (food + transport): Rs 10,000 – 11,000

Personal expenses (phone, internet, basics): Rs 3,000 – 4,000

Savings + investments: Rs 3,000 – 5,000

If this feels difficult, reduce food/transport costs by small adjustments.

4. Where to Invest Once You Have Emergency Money

(For minors: This is general education. For actual investing, get guidance from a trusted adult or family member.)

After you build emergency money, start small monthly investing.

You can begin with:

Rs 1,000 to Rs 2,000 SIP in a simple, diversified equity fund

Increase the SIP whenever salary increases or expenses reduce

Avoid complicated products.
Keep it simple.
Focus on consistency.

5. Easy Practical Ways to Increase Saving

These small moves help a lot:

Avoid food delivery

Use public transport as much as possible

Reduce subscriptions you don’t use

Fix a daily expense limit

Keep a separate bank account only for savings

Even Rs 200 saved daily = Rs 6,000 monthly.

6. Increase Income Slowly

Try small income boosters:

Weekend tutoring

Freelancing

Part-time projects

Selling old gadgets

Learning new skills for future salary growth

Even Rs 3,000 extra income changes your savings life.

7. Build the Habit First

The amount doesn’t matter in the beginning.
The habit matters more.

Even saving Rs 500 every month is better than zero.
Once salary grows, you will already know how to save.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

Radheshyam Zanwar |6737 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Dec 08, 2025

Question by Dipasha - Dec 07, 2025Hindi

Career

Hello sir.. Mera class 12th main PCB tha but biology mai repeat aya hain aur english, physics, chemistry mai pass hu.. If mai biology NIOS se exam dungi toh kya mai NEET ke liye eligible ho jaungi?? Please answer

Ans: Your question and follow-up question are already answered. Please copy and paste the following link in your browser to read it - https://gurus.rediff.com/question/qdtl/career/neet-aspirant-meri-class-12-m-physics-m-repeat-thi/5248200

See more questions »

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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