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Ramalingam

Ramalingam Kalirajan  |7510 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 12, 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
sandeep Question by sandeep on Jul 07, 2024Hindi
Money

Sir my age is 34 yr .. in govt job .. monthly income is 1 lac ..with 2 children..I m investing 15000 per month in mutual fund and 10000 rs per month in PF nd 7000 in LIC ...what amount I will get in future and what extra I need ...??

Ans: You’re 34 years old and working in a government job, earning Rs 1 lakh per month. You have two children, which makes planning for the future even more critical. You're currently investing Rs 15,000 per month in mutual funds, Rs 10,000 per month in Provident Fund (PF), and Rs 7,000 in LIC.

Your commitment to these investments is admirable, but it’s important to ensure that they align with your long-term goals. Let’s assess where you are now and how you can plan for a secure future.

Evaluating Your Current Investments
Mutual Fund SIPs: Investing Rs 15,000 per month in mutual funds is a strong strategy for wealth creation. Mutual funds have the potential for good returns over the long term. The power of compounding will help your money grow, especially if you stay invested for a long time.

Provident Fund (PF): Your Rs 10,000 monthly investment in PF is a solid choice for safe and steady growth. PF offers a fixed return with tax benefits, making it a secure option. It is particularly beneficial for retirement planning.

LIC Policies: You’re investing Rs 7,000 per month in LIC. While LIC provides a mix of insurance and returns, it’s essential to evaluate if it meets your needs. Traditional LIC policies typically offer lower returns compared to other investment options.

Projecting Your Future Corpus
Without using specific calculations or formulas, let’s broadly estimate what you might expect from your investments:

Mutual Funds: Over a long period, mutual funds have the potential to offer returns that could multiply your investments significantly. However, these returns are not guaranteed and are subject to market risks.

Provident Fund (PF): PF offers a predictable return, which will grow steadily. This fund will be a key part of your retirement corpus, providing you with a stable income during your retirement years.

LIC Policies: The returns from LIC policies are generally lower compared to mutual funds or even PF. These policies are more about protection and security than wealth creation.

Assessing Your Financial Goals
To determine what extra you need to do, it’s important to identify your financial goals. Here are some typical goals:

Children’s Education: Providing for your children’s higher education is likely a priority. Education costs are rising, and planning early will help you avoid financial stress later.

Retirement Planning: Securing your retirement is crucial. You need to ensure that your retirement corpus is sufficient to maintain your lifestyle after you stop working.

Emergency Fund: It’s important to have an emergency fund that can cover at least 6 months of your expenses. This fund should be liquid and easily accessible in case of unexpected events.

Identifying Gaps and Additional Steps
Increase Mutual Fund Investments: You may want to increase your monthly SIP in mutual funds. This will help you build a larger corpus for long-term goals like your children’s education and your retirement. Consider actively managed funds through a Certified Financial Planner (CFP) instead of direct funds to benefit from professional expertise.

Review LIC Policies: Assess whether your LIC policies are serving your financial goals. If the returns are lower than what you could get from mutual funds or PF, you might consider surrendering the policy and reinvesting the proceeds in higher-yielding options. However, do this only after careful consideration and consultation with a CFP.

Explore Child Education Plans: Consider investing in child education plans that can offer returns aligned with the future cost of education. Look for options that provide growth potential and ensure that the funds are available when needed.

Build an Emergency Fund: If you haven’t already, start building an emergency fund. This will provide financial security and ensure that you’re not forced to dip into your investments during tough times.

Final Insights
Balanced Investment Approach: Continue your existing investments but consider increasing your mutual fund SIP. This will help you take advantage of the long-term growth potential of the market.

Insurance and Protection: Ensure that your insurance needs are adequately covered. LIC provides life coverage, but you may also want to explore term insurance for higher coverage at a lower premium.

Retirement Planning: Your PF is a good start, but it might not be enough. Consider increasing your retirement investments by either upping your PF contribution or adding to your mutual fund investments.

Consult a Certified Financial Planner: A CFP can help you align your investments with your goals. They can offer personalized advice based on your specific situation, helping you make informed decisions for your family’s future.

By taking these steps, you can ensure that your financial future is secure and that you’re on track to meet your goals.

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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Sanjeev Govila  | Answer  |Ask -

Financial Planner - Answered on Feb 06, 2024

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Hello Hardik Bhai I am at 54 years in MNC. My monthly take home ~ ₹1.4 lacs + I have 2 flats that fetch rental income of ₹ ~ 50000/-. PF accumulation is around 60 lacs. Have home emi of 61000/- monthly and I am in a government flat (my wife government employee she has another 7 years of service). Make all effort to ensure that her salary is not touched.. have a daughter at 22 years. Based on her academic appetite and success have earmarked ~50 lacs for her higher education. Have investment in equity 15 lacs worth and gold around 50 lacs. Assuming I retire in another 6-7 years, how much I should ensure monthly income to maintain a present standard of of life without dependency. Your views on mutual fund etc. will be appreciated.. Thanks
Ans: Considering your profile and aspirations, here's a strategic overview:-

1. Current Income and Assets:
Monthly take-home: ?1.4 lacs
Rental income: ?50,000/-
PF accumulation: ?60 lacs
Equity investment: ?15 lacs
Gold holdings: ?50 lacs
2. Liabilities:- Home EMI: ?61,000/-
3. Future Goals and Commitments:- Daughter's higher education fund: ?50 lacs
4. Retirement Plans:- Target retirement in 6-7 years

Considering your retirement goal, let's outline a strategic approach:-

Monthly Income Requirement:- Assess your current monthly expenses and lifestyle to determine the income needed to maintain your standard of living. Factor in inflation for accurate projections.

Investment Diversification:- Given your time horizon, consider a balanced portfolio across mutual funds, including equity and debt. Diversification helps manage risk.

PF Utilization:- Evaluate the possibility of utilizing PF wisely for retirement income. Understand withdrawal rules and tax implications.

Real Estate Planning:- Given your rental income and property assets, review their potential for contributing to your retirement income.

Daughter's Education Fund:- Ensure your earmarked amount aligns with the expected cost of her education. Consider investment options with a medium-term horizon.

Risk Management:- Review your insurance coverage, including health and life insurance, to safeguard against unforeseen circumstances.

Financial Planner Consultation:- Engage with a certified financial advisor to create a detailed retirement plan. They can tailor strategies based on your unique situation and goals.

It's essential to periodically review and adjust your plan based on evolving circumstances. Connect with your financial planner for goal-based planning and a detailed explanation tailored to your unique situation.

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Ramalingam

Ramalingam Kalirajan  |7510 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 15, 2024

Money
I m investing 15000 per month in mutual fund and 10000 rs per month in PF nd 7000 in LIC ...what amount I will get in future and what extra I need ...??
Ans: Your current investments are well diversified. You invest Rs 15,000 monthly in mutual funds, Rs 10,000 in a provident fund (PF), and Rs 7,000 in LIC policies. Each of these has its benefits and limitations. Understanding these will help you gauge future returns.

Mutual Fund Investments
Investing Rs 15,000 monthly in mutual funds is a smart choice. Mutual funds provide the advantage of professional management. They also offer the potential for high returns. However, mutual funds carry market risk. It's essential to monitor their performance regularly.

Actively managed funds can outperform index funds. They offer the expertise of fund managers who adjust the portfolio to market conditions. This can lead to higher returns.

Mutual funds are best for long-term goals. Over time, compounding can significantly increase your returns. Staying invested for at least five years can help ride out market volatility.

Provident Fund Contributions
Your monthly contribution of Rs 10,000 to the provident fund is a secure investment. The PF offers stable and guaranteed returns. It also provides tax benefits under Section 80C of the Income Tax Act.

PF is ideal for retirement planning. The returns are steady, though lower than some other investment options. The security it provides is invaluable. Over the years, PF can accumulate a significant corpus due to its fixed interest rate and compounding.

LIC Policies
Investing Rs 7,000 monthly in LIC policies is a conservative strategy. LIC policies combine insurance with investment. They offer a safety net for your family in case of your untimely demise.

However, the returns on LIC policies are generally lower. The primary benefit is the insurance cover. For investment purposes, the returns might not be as high as mutual funds or even PF.

Consider evaluating your LIC policies. If they are traditional endowment or money-back policies, the returns are modest. You might want to explore better investment options for higher returns.

Evaluating Your Future Corpus
Mutual Funds
With mutual funds, future returns depend on the market performance. Assuming an average annual return of 12%, your Rs 15,000 monthly investment can grow significantly. Over 20 years, this could accumulate to a sizeable corpus. However, this is an assumption and actual returns can vary.

Provident Fund
Provident funds offer predictable growth. Assuming an average interest rate of 8.5%, your Rs 10,000 monthly investment will grow steadily. Over 20 years, this can also accumulate to a significant amount. The fixed returns and tax benefits make it a reliable option.

LIC Policies
LIC policies usually offer lower returns. Assuming an average return of 6%, your Rs 7,000 monthly investment will grow, but slower compared to mutual funds and PF. The insurance benefit, however, is an added advantage.

Assessing Additional Needs
Based on your current investments, your future corpus will be substantial. But, you need to evaluate your financial goals. Are you saving for retirement, children's education, or buying a house? Each goal requires different strategies.

Insurance and Investment Balance
While LIC provides insurance, consider term insurance for better coverage. Term insurance offers higher coverage at lower premiums. This leaves more funds for high-return investments.

Diversifying Further
Consider diversifying your portfolio further. Adding debt mutual funds can provide stability. Equity mutual funds offer growth. Balancing these can help manage risk and maximize returns.

Review and Rebalance
Regularly reviewing and rebalancing your portfolio is crucial. As market conditions change, so should your investment strategy. Consulting a Certified Financial Planner can help align your investments with your goals.

Disadvantages of Direct Funds
Direct funds might seem attractive due to lower costs. But, they require constant monitoring and expertise. Regular funds through a Mutual Fund Distributor (MFD) with CFP credentials offer guidance and advice. This can help you make informed decisions and optimize your returns.

Benefits of Actively Managed Funds
Actively managed funds provide flexibility. Fund managers can adapt to market changes. This proactive approach can lead to better returns compared to index funds. They also offer professional management, which is beneficial if you lack the time or expertise to manage your investments.

Building a Robust Financial Plan
Emergency Fund
Ensure you have an emergency fund. This should cover 6-12 months of expenses. It provides financial security during unforeseen events.

Retirement Planning
Focus on retirement planning. Calculate your retirement corpus based on current expenses and future inflation. Your PF is a good start, but additional investments might be necessary.

Children's Education
If saving for children's education, start early. Education costs are rising. Investing in equity mutual funds can help accumulate the required corpus.

Goal-Based Investing
Align your investments with specific goals. Short-term goals can use debt funds for stability. Long-term goals benefit from equity funds for growth.

Tax Planning
Maximize tax benefits. Investments in PF and certain mutual funds offer tax deductions. Efficient tax planning can increase your net returns.

Final Insights
Your current investment strategy is commendable. It's well-diversified and covers various aspects of financial planning. However, there's always room for improvement. Evaluating your LIC policies and possibly reallocating funds can enhance your returns.

Regular reviews and professional advice are crucial. A Certified Financial Planner can provide personalized guidance. This ensures your investments are aligned with your financial goals.

Investing is a journey. Stay informed and flexible. Adjust your strategy as needed to achieve your financial aspirations.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7510 Answers  |Ask -

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

Money
Sir I have 1.8 Cr in mutual fund and 65 lacs in equity shares ,Sip of 55 thousand per month,Vpf 10000 per month,30 lacs in fd , 20 lac loan given to relative without interest will come in 2 to 3 years.20 lacs in pf, 1.8 lacs in ppf , one plot of value 3 cr and one plot of value 50 lacs with no rental income. I am doing business also and earning yearly approx 20 lacs and I have salary of 1.2 lacs. I am 40 years old and I have 2 kids one daughter 9 years old and son 4 years old. Let me know considering with no salary and so sip and no business now onward and no expenses also.how much corpus will I will get till age of 50 so I can get approx 3 lacs per months.is it workable with this corpus or I have to do more saving.
Ans: Your financial portfolio reflects thoughtful planning and diversification. Here is a breakdown:

Mutual Funds: Rs. 1.8 crore
Equity Shares: Rs. 65 lakhs
SIP: Rs. 55,000 monthly
VPF: Rs. 10,000 monthly
Fixed Deposits: Rs. 30 lakhs
Loan to Relative: Rs. 20 lakhs (to be returned in 2-3 years)
PF: Rs. 20 lakhs
PPF: Rs. 1.8 lakhs
Real Estate: Two plots valued at Rs. 3 crore and Rs. 50 lakhs
Your annual business income of Rs. 20 lakhs and monthly salary of Rs. 1.2 lakhs are also noteworthy. These provide a strong foundation for wealth creation.

You aim to retire at 50 and generate Rs. 3 lakhs per month as income. This requires meticulous planning, particularly if no SIPs or income contributions are made going forward.

Setting Your Financial Goals
Achieving a monthly income of Rs. 3 lakhs from age 50 implies an annual income requirement of Rs. 36 lakhs. To sustain this for a 30-year retirement, your portfolio should provide inflation-adjusted returns consistently.

Key Factors to Consider
Target Corpus: Based on a post-tax return of 6% per annum, you will need Rs. 6-7 crore to achieve this goal.
Inflation: Assume 6% inflation for cost of living adjustments over time.
Current Portfolio Growth: Project your existing assets’ growth over the next 10 years.
Projections of Current Assets
Mutual Funds
Rs. 1.8 crore is a strong equity-oriented asset.
Assuming an annual return of 10%, the corpus could grow to Rs. 4.67 crore in 10 years without additional contributions.
Equity Shares
Rs. 65 lakhs in equities has higher risk but potential for higher returns.
With a conservative annual growth of 8%, this can grow to Rs. 1.4 crore.
Fixed Deposits
Rs. 30 lakhs in FDs provides stability but low growth.
Assuming a 5% return, the corpus will grow to Rs. 49 lakhs.
Loan to Relative
Rs. 20 lakhs returned within 3 years can be reinvested.
Investing this amount in mutual funds with a 10% return for 7 years could yield Rs. 39 lakhs.
VPF, PF, and PPF
Total provident fund investments (Rs. 41.8 lakhs) provide safety and tax-free returns.
With annual contributions and 8% returns, this can grow to Rs. 1.05 crore.
Real Estate
The two plots worth Rs. 3 crore and Rs. 50 lakhs are non-earning.
Selling one and reinvesting in financial assets can improve cash flow.
Strategy for Achieving Your Retirement Goal
Step 1: Optimize Current Investments
Mutual Funds:

Continue SIPs of Rs. 55,000 for at least 3 years.
Ensure a balanced allocation across large-cap, mid-cap, and small-cap funds.
Shift underperforming funds to better-managed schemes.
Avoid index funds, as actively managed funds provide superior returns.
Equity Shares:

Diversify into sectors with long-term growth potential.
Evaluate performance quarterly and consider reallocating underperforming stocks.
VPF and PPF:

Increase PPF contributions to the maximum limit for tax-free compounding.
VPF is a stable instrument; continue contributions.
Fixed Deposits:

Gradually reduce FD holdings.
Reallocate funds to debt mutual funds for better post-tax returns.
Step 2: Plan for Real Estate Monetization
Real estate is a significant portion of your wealth but non-earning.
Selling the Rs. 50 lakh plot and reinvesting the proceeds into mutual funds or debt instruments can boost growth and liquidity.
Step 3: Build Contingency and Liquidity
Maintain Rs. 20 lakhs in liquid funds or FDs for emergencies.
This ensures you can handle unforeseen expenses without disrupting long-term investments.
Tax Efficiency Strategies
Equity and Mutual Funds:

Utilize tax-free thresholds for long-term capital gains.
Plan redemptions to minimize tax outflows.
Debt Investments:

Debt mutual funds are more tax-efficient than FDs. Shift gradually to reduce tax liabilities.
Addressing Key Risks
Inflation Risk
Allocate a significant portion of your portfolio to equity for inflation-adjusted growth.
Longevity Risk
Ensure your corpus lasts for 30+ years. Plan withdrawals conservatively.
Market Volatility
Diversify across asset classes to reduce risks.
Maintain a mix of equity, debt, and safe instruments like PPF.
Final Projections
By age 50, with no additional contributions:

Mutual Funds: Rs. 4.67 crore
Equity Shares: Rs. 1.4 crore
Fixed Deposits: Rs. 49 lakhs
Loan Returns: Rs. 39 lakhs
Provident Funds: Rs. 1.05 crore
Total Corpus: Rs. 7.6 crore (approximately)

Is This Corpus Sufficient?
Yes, this corpus can sustain a monthly withdrawal of Rs. 3 lakhs. However, it assumes disciplined withdrawals and minimal unexpected expenses.

Recommendations to Strengthen the Plan
Continue SIPs and contributions for at least 3 more years.
Monetize one real estate asset to improve liquidity and growth.
Rebalance your portfolio annually to align with market conditions and goals.
Final Insights
You are on track to achieve your retirement goals with your current assets. Regular reviews, disciplined investing, and strategic adjustments will ensure long-term success.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

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Relationship
I am 42 Female currently, last marriage didn't go well, afraid of new start, I neither type of person who can go to club etc etc to "find someone" - What's the best way to move forward, Do we have genuine way of finding someone who can become reliable partner too (No tinder etc as again I knw myself now at this age, I can't) - Please guide
Ans: One of the best ways to meet someone compatible is through shared interests and environments where you feel at ease. Consider engaging in activities or communities that resonate with you. This could include joining local interest groups, volunteering, or taking classes in areas you’re passionate about. These settings not only provide opportunities to meet like-minded individuals but also allow connections to develop organically over shared experiences and values.

Another valuable approach is to lean on your existing network. Friends, family, and colleagues often know you well and can introduce you to others who might be a good match. These introductions can be more comfortable and trustworthy since they come from people who understand your personality and values.

It’s also important to give yourself time and space to heal and grow from past experiences. Building a reliable and meaningful relationship starts with being in a place where you feel confident and whole on your own. This self-awareness and emotional readiness will naturally attract the right kind of partner who values and respects you for who you are.

Remember, there’s no rush or specific timeline you need to adhere to. Allow relationships to develop at a pace that feels right for you, and focus on building connections that are based on mutual respect, understanding, and shared values. Trust that the right person will come into your life when the time is right, and until then, prioritize your own happiness and well-being.

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Kanchan

Kanchan Rai  |492 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 15, 2025

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Relationship
My age is 48 years and i have one son aged 17 years and i am single son of my parents ,one and half year back my wife expired and upon insisted by my parents and close relatives i got remarried and she has one girl aged 8 years, after passing of six months she has started showing her true colors and it has become very difficult for me to continue and i want to get rid of this . Please guide me what should i do now.
Ans: Dear Dinesh,
it’s important to reflect on what is making the relationship difficult. Understanding the specific issues—whether they stem from differences in values, communication problems, or other conflicts—can provide clarity on how to move forward.

If you haven't already, consider having an open and honest conversation with your wife about your concerns. Sometimes, addressing issues directly can lead to resolutions or at least a better understanding of each other's perspectives. Counseling, either individually or as a couple, can also be a valuable tool in navigating these challenges and deciding the best course of action.

However, if you’ve already tried addressing these issues and find that the relationship is still untenable, it may be time to consider ending the marriage. It’s important to prioritize your emotional and mental well-being, as well as that of your son and stepdaughter. Divorce is never an easy decision, especially when children are involved, but staying in an unhappy and unhealthy relationship can have long-term negative impacts on everyone.

As you contemplate your next steps, it’s also important to lean on your support system. Friends, family, or a counselor can provide guidance and help you navigate this difficult period. Remember, prioritizing your well-being is not only crucial for you but also for your children, as they look to you for stability and emotional guidance. Making decisions that lead to a healthier and happier environment for everyone involved is ultimately the most important goal.

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Kanchan

Kanchan Rai  |492 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 15, 2025

Asked by Anonymous - Oct 08, 2024
Relationship
Hello mam.I know a girl since college days.She is married to a guy since last 15 years.Since last 3 years we had an affair.I did take her for granted after our 2 nd half 3 years of relationship.Since a year now she has been giving me some or the other reason such as she is not getting feeling for me,husband is taking much care now so cant handle our relationship,then she told she has some health issue and now recently she tells me she has been telling me indirectly since a year to move on as she was in a relationship with some guy whom she got attracted in a mutual connection.But now she has discontinued with him as well. We do chat on message and call sometime but now since a year she herself has stopped calling or messaging.She replies only when i message or call. I want her back in my life and improve my relationship with her.Please guide me to get her back and have a relationship with her as we had till last year.What steps should I take to win her heart back and make her mine?
Ans: The first step is to acknowledge and respect her current feelings and boundaries. It’s clear she’s navigating her own emotional journey and trying to find clarity in her life. Pressuring her or trying to win her back without considering her current stance may push her further away.

Instead, focus on open and honest communication. If you genuinely care for her, it’s important to express your feelings without being demanding. Share how you feel, but also be willing to listen to her perspective fully. Understand that love and relationships are mutual, and both parties need to feel connected and invested.

During this time, it’s also essential to reflect on your own needs and emotional well-being. Ask yourself if this relationship, as it currently stands, is fulfilling and healthy for you. Relationships can be complicated, and sometimes stepping back to allow both people space to understand their feelings can lead to a clearer path forward, whether that’s together or apart.

Ultimately, your focus should be on building healthy, honest connections and prioritizing emotional well-being for both yourself and the people involved. If there’s a possibility of rekindling the relationship, it will come from mutual understanding, respect, and willingness from both sides.

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