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MF, PF Expert - Answered on Dec 01, 2025

Nitin Narkhede, founder of the Prosperity Lifestyle Hub, is a certified financial advisor with eight years of experience in helping clients design and implement comprehensive financial life plans.
As a mentor, Nitin has trained over 1,000 individuals, many of whom have seen remarkable financial transformations.
Nitin holds various certifications including the Association Of Mutual Funds in India (AMFI), the Insurance Regulatory and Development Authority and accreditations from several insurance and mutual fund aggregators.
He is a mechanical engineer from the J T Mahajan College, Jalgaon, with 34 years of experience of working with MNCs like Skoda Auto India, Volkswagen India and ThyssenKrupp Electrical Steel India.... more

Question by Nadakuduru on Nov 28, 2025Hindi

i am a 65 year old person at present working in a company as advisor with Rs.2,00,000/-month remuneration.My son is studying 1st year B.Tech.My wife is a home maker.I am having 2 apartments on my name worth approx.2 crores.MY wife is a single child to my in laws and i stay in my mother in law's house as my wife has to take care of her. I am having a plot which costs about 75 lakhs rupees.I am having PPF amount Rs,25 lakhs in my account and still account is not closed.I may be having a cash of Rs.20 lakhs approx.in various forms.I am havinga stocks porfolio worth Rs30 lakhs.I am giving you my MF sips in various forms.The MFs amount is to the tune of Rs.80 lakhs. Fund Name Category SIP Amount % of Portfolio Motilal Oswal Large Cap Fund Large Cap ₹15,000 10.3% Nippon India Large Cap Fund Large Cap ₹13,000 8.9% Total Large Cap ₹28,000 19.2% HDFC Midcap Fund Mid Cap ₹7,500 5.1% Edelweiss Mid Cap Fund Mid Cap ₹31,000 21.2% Total Mid Cap ₹38,500 26.3% SBI Small Cap Fund Small Cap ₹3,500 2.4% Nippon India Small Cap Fund Small Cap ₹2,000 1.4% Total Small Cap ₹5,500 3.8% Parag Parikh Flexicap Fund Flexi Cap ₹38,500 26.3% HDFC Focused Fund Focused ₹7,000 4.8% Mirae Asset Large & Midcap Fund Large & Mid Cap ₹2,500 1.7% Total Diversified Equity ₹48,000 32.8% Canara Robeco Multi Asset Multi Asset ₹1,500 1.0% HDFC Balanced Advantage Fund BAF ₹10,000 6.8% Total Hybrid / Debt-Oriented ₹11,500 7.9% Tata Nifty Capital Markets Index Sectoral (Financial Services) ₹2,000 1.4% Nippon India Banking & Financial Services Sectoral (Financial Services) ₹1,500 1.0% Total Sectoral ₹3,500 2.4% Total SIP amount is approx.Rs.1.5 lakhs / month . I am having monthly sips for SBI small cap,nippon india small cap, dsp small cap rs.5000/-each in addition to above SIPs.My total MFs amount is approx.rs.75 lakhs. Though i am not sure how many months my assignment continue, immediately there is no threat.at present my health only is the criteria to continue and i may continue for maximum of one year.MY wife also may be having cash in various forms to the tune of Rs.50 lakhs. This is my financial status. Kindly guide me for a better and remunerative planning.aLSO PLEASE ADVISE MEWHETHER I CAN INVEST IN REIT AND SIF ALSO.PLEASE GUIDE ME.Best Regards.

Ans: Dear Nandakunduru,
Here is the analysis and recommendations for your Retirement planning. At 65, you are in a strong financial position with no liabilities, a ?2 lakh monthly income, your wife as a homemaker, and a son pursuing B.Tech. You own two apartments worth ~?2 crore, a plot worth ?75 lakh, ?25 lakh in PPF, ~?20 lakh in cash, ?30 lakh in stocks, and mutual funds worth ~?75–80 lakh. Your wife has an additional ~?50 lakh in liquid assets. You also invest ?1.5 lakh per month in 20+ mutual funds, heavily tilted towards mid- and small-cap schemes, making your portfolio overly aggressive for your age.

The most important steps now are to reduce risk, secure predictable income, and simplify your investments. Consolidate your mutual funds into 6–7 core schemes focusing on large-cap, flexi-cap, and limited mid-cap exposure, while reducing duplicate and high-volatility funds. Shift a large part of free cash—60 to 70 lakh—into safe income sources such as SCSS, FDs, RBI bonds, and debt funds to ensure stable monthly income. REITs and InvITs can be added (5–8%) for passive quarterly income.
Overall, with proper restructuring, you can comfortably generate ?1.1–1.4 lakh monthly post-retirement while preserving capital, supporting your son’s education, and ensuring long-term stability for your wife. Regards, Nitin Narkhede -Founder, Prosperity Lifestyle Hub,
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