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Ramalingam

Ramalingam Kalirajan  |9255 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 10, 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
Asked by Anonymous - Apr 24, 2024Hindi
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Hi, I have another 5 years to reach retirement. I have my own house, a plot worth Rs.50 Lakhs, 1 crore in Fixed Deposit, Rs.500,000 invested in mutual fund. I have no loans and my present savings per month is Rs.225,000 tax free. I have a wife and two sons. One son is settled and another son is still in college level. Want to know how much more funds are required to lead a decent retired life after 5 years. I am physically fit to work for another 10 years.

Ans: It's great to hear about your proactive approach towards retirement planning. Let's assess your current financial position and estimate the funds required for a comfortable retired life after 5 years:
1. Existing Assets:
• Own house and a plot worth Rs. 50 lakhs: These assets provide stability and potential for appreciation over time.
• Fixed Deposit of 1 crore: Offers liquidity and stability in your portfolio.
• Mutual fund investment of Rs. 5 lakhs: Provides diversification and growth potential.
2. Monthly Savings:
• Your tax-free savings of Rs. 2,25,000 per month are impressive and will contribute significantly towards building your retirement corpus.
3. Future Expenses:
• Consider your anticipated expenses post-retirement, including living expenses, healthcare, travel, and other leisure activities.
• Estimate your children's education and marriage expenses if any.
4. Income Sources in Retirement:
• Assess your expected income sources in retirement, such as pension, rental income, interest from investments, and any other sources.
5. Gap Analysis:
• Calculate the shortfall between your estimated expenses in retirement and your expected income sources.
• Determine how much additional funds you need to bridge this gap.
Given your current financial assets, monthly savings, and future income sources, it seems you're well-positioned for a comfortable retired life. However, it's essential to consider inflation and potential healthcare expenses in retirement.
As a Certified Financial Planner, I recommend consulting with a professional to conduct a detailed analysis of your retirement needs and develop a customized financial plan. They can help you determine the additional funds required and suggest suitable investment strategies to achieve your retirement goals.
By continuing your disciplined savings approach and investing wisely, you can ensure a financially secure and fulfilling retired life for you and your family.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Ramalingam Kalirajan  |9255 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 27, 2024

Asked by Anonymous - Jan 31, 2024Hindi
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Sir i am 40 years old, wanted to retire early by 45 or 47. 1-daughter age 7. Invested 27 lac in MF, 30 lac in sbi life privilege plan ulip linked, 45 lac in EPF, 32 lac in PPF, 3 plots total worth 45 lac. Let me know how much should i need to retire in another 5 years. My monthly expenses is around 60 to 75k
Ans: To determine how much you need to retire in another 5 years, we'll need to assess your current investments and estimate your future expenses. Here's a rough breakdown:

Current Investments:
Mutual Funds: 27 lac
SBI Life Privilege Plan ULIP: 30 lac
EPF: 45 lac
PPF: 32 lac
Plots: 45 lac
Future Expenses:
Monthly Expenses: 60,000 to 75,000 INR
Retirement Planning:
Estimate your annual expenses in retirement by multiplying your monthly expenses by 12. Let's assume it's 9 lakhs to 11.25 lakhs per year.
Multiply your annual expenses by the number of years you expect to live in retirement. Since you plan to retire at 45 or 47 and may live until 80 or beyond, let's assume you'll need retirement income for 35 to 40 years.
Factor in inflation to adjust for the increasing cost of living over time. A conservative estimate of inflation is 5% per year.
Given these assumptions, you can use a retirement calculator or consult with a financial advisor to determine the lump sum amount you'll need to retire comfortably. They can help you assess your current investments, estimate future expenses, account for inflation, and identify any gaps in your retirement plan. Adjustments may be needed based on your risk tolerance, investment returns, and other factors unique to your situation.

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Ramalingam

Ramalingam Kalirajan  |9255 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 23, 2025

Asked by Anonymous - Apr 13, 2025
Money
Age 37 and retirement age 60 . Having corpus of 45 lakh with me in mutual fund stocks and gold . Having 1 5 years old son and wife together living. Monthly expenses are 55 k and investing 35K in MF out of total monthly earning 90K. how much amount I need after retirement to live comfortably life.
Ans: You are 37 now. You plan to retire at 60. That gives you 23 years to invest. You are already doing well with a Rs. 45 lakh corpus and Rs. 35K SIP.

Let us now assess how much you may need post-retirement to maintain a comfortable lifestyle.

 

Understanding Your Current Lifestyle
You spend Rs. 55K per month now.

 

That equals Rs. 6.6 lakh per year.

 

Your family includes your wife and 15-year-old son.

 

Your lifestyle may not reduce drastically post-retirement.

 

In fact, medical and personal expenses may go up.

 

So, we must plan inflation-adjusted future needs.

 

You have 23 years until retirement.

 

Inflation may reduce the value of money every year.

 

Assuming average lifestyle inflation, your future needs will increase.

 

Estimating Retirement Corpus Required
With 6% inflation, Rs. 55K/month becomes about Rs. 2.1 lakh/month in 23 years.

 

That means you will need about Rs. 25 lakh annually after retirement.

 

Post-retirement, you may live till 85. That means 25 years of retired life.

 

For 25 years, you’ll need income generation from your corpus.

 

This should beat inflation and also give you a steady income.

 

Therefore, your target corpus should ideally be Rs. 4 crore to Rs. 5 crore.

 

This range considers inflation, life expectancy, healthcare, and travel goals.

 

Evaluating Your Current Position
You have Rs. 45 lakh saved already. That’s a great start.

 

You invest Rs. 35K monthly in mutual funds.

 

You have a stable income of Rs. 90K/month.

 

Your savings rate is 39%. Very impressive.

 

You have disciplined investing behaviour.

 

You are also diversified into gold and stocks.

 

This gives a strong base for compounding.

 

Assuming a balanced risk profile, you can aim for 10-12% annual returns.

 

Over 23 years, your current savings and SIPs can help you reach your target.

 

Suggestions to Maximise Retirement Readiness
Continue Rs. 35K SIP monthly without fail.

 

Gradually increase SIP amount by 5-10% every year.

 

This will match inflation and grow your contribution.

 

Shift equity-heavy funds to moderate risk 5 years before retirement.

 

Ensure you hold diversified mutual funds managed by reputed AMCs.

 

Avoid index funds. They only copy the market.

 

Index funds don’t protect you in falling markets.

 

Actively managed funds aim to beat the market.

 

A skilled fund manager can control downside.

 

Direct mutual funds seem low-cost. But they miss human guidance.

 

A Certified Financial Planner-backed MFD can guide with proper rebalancing.

 

You will need help during market falls.

 

Regular plan through MFD with CFP gives personalised support.

 

Avoid real estate as an investment. It lacks liquidity.

 

Real estate also has tax, maintenance, and legal hassles.

 

Instead, focus on mutual funds, gold, and debt allocation.

 

You can also add PPF and NPS for retirement safety.

 

Allocate 10-15% of savings into gold as a hedge.

 

Ensure your emergency fund is ready for 6-12 months of expenses.

 

Don’t forget health insurance with Rs. 10-25 lakh cover.

 

It will reduce medical pressure post-retirement.

 

Consider term insurance until your child becomes financially stable.

 

You can surrender any LIC or ULIP policies.

 

Reinvest surrender amount into mutual funds for higher growth.

 

Set goal-wise buckets for wealth creation, son’s education, and retirement.

 

Review your plan with a Certified Financial Planner every year.

 

Don’t chase returns. Focus on consistency and time in market.

 

Compounding works best with patience and discipline.

 

Rebalance portfolio once a year. Reduce risk as age increases.

 

Keep your wife involved in your financial planning.

 

Teach your son about basic finance. It’ll help him in future.

 

Income Strategy Post Retirement
Use Systematic Withdrawal Plan (SWP) for monthly income.

 

SWP gives you monthly income from mutual funds.

 

It’s tax-efficient compared to fixed deposits.

 

SWP from equity funds has new tax rules.

 

Long term capital gains above Rs. 1.25 lakh taxed at 12.5%.

 

Short-term gains taxed at 20%.

 

SWP can be created from balanced or multi-cap funds.

 

Mix it with debt funds for safety and lower volatility.

 

Plan 3 income buckets – Immediate, Medium, Long-Term.

 

Immediate (0-5 yrs) – keep low-risk debt and liquid funds.

 

Medium (5-10 yrs) – hold balanced and flexi-cap funds.

 

Long term (10+ yrs) – invest in small and mid-cap funds.

 

This strategy protects capital while providing income.

 

Tax planning must be done smartly to reduce outgo.

 

Withdraw money in tax-smart way from various buckets.

 

You can use HUF account for tax savings if applicable.

 

Steps You Can Take Now
Make a written goal for Rs. 4 to 5 crore retirement corpus.

 

Continue monthly SIP of Rs. 35K. Increase yearly if possible.

 

Keep investing bonus and lump sum into mutual funds.

 

Do not pause SIPs during market falls.

 

Track goal progress every 2-3 years.

 

Match asset allocation as per life stage.

 

Buy health insurance separately for self and wife.

 

Plan your son’s higher education with a separate corpus.

 

Avoid using retirement fund for child’s education.

 

Keep estate planning documents updated.

 

Write a Will. Nominate family across all accounts.

 

Keep records of mutual funds, stocks, insurance in one place.

 

Inform spouse about everything.

 

This reduces family stress in your absence.

 

Treat retirement planning as life goal, not just financial goal.

 

Retirement is your longest holiday. Plan it with joy.

 

Discipline + time + patience = financial freedom.

 

Finally
You are already doing very well. Your monthly investments are strong. Expenses are controlled. Lifestyle is modest and focused.

You need around Rs. 4 to 5 crore corpus. This will help you live comfortably post 60.

You have 23 years. That’s enough time to build this corpus. You must continue with focused discipline. And review your plan regularly with a Certified Financial Planner.

This way, your retirement will be peaceful. And full of freedom.

 

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

..Read more

Ramalingam

Ramalingam Kalirajan  |9255 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 02, 2025

Asked by Anonymous - May 17, 2025Hindi
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Dear Sir, I am 41 years old, I have 50 lakhs in MF and Stock investment. I have 2 properties with 60L. I have no loans, currently I earn about 3L a month, my monthly expenses be around 75k, what would I need to retire in 5 years?
Ans: Your financial discipline and foresight are truly appreciated. Retiring at 46 is an ambitious goal, but with good planning, it is achievable. Let’s assess your current financial situation and explore what you need to retire comfortably in 5 years.

Current Financial Snapshot
Age: 41 years

Monthly Income: Rs. 3,00,000

Monthly Expenses: Rs. 75,000

Investments: Rs. 50 lakhs in mutual funds and stocks

Real Estate: Two properties valued at Rs. 60 lakhs

Liabilities: None

This shows you have a good savings rate and a solid asset base. Your expenses are well managed, allowing you to save significantly each month.

Estimating Retirement Corpus
To maintain your lifestyle after retirement, we must project future expenses considering inflation.

Current Monthly Expenses: Rs. 75,000

Assumed Inflation Rate: 6% per year

Time Until Retirement: 5 years

Projected Monthly Expenses at Retirement: Approximately Rs. 1,00,000

Annual Expenses at Retirement: Rs. 12,00,000

Expected Retirement Duration: Assuming retirement age 46 up to 85, about 39 years

Using these, the estimated retirement corpus needed is around Rs. 3.5 to 4 crores.

This corpus should cover your expenses, accounting for inflation and longevity.

Investment Strategy to Build Corpus
With 5 years left, optimizing your investments is essential to bridge the gap between current assets and required corpus.

Monthly Savings Potential: Rs. 2,25,000 (Income minus expenses)

Investment Vehicles:

Actively Managed Mutual Funds: Focus on diversified equity funds managed by skilled fund managers for better returns.

Systematic Investment Plans (SIPs): Regular monthly investments can help manage market volatility and instill discipline.

Debt Instruments: Increase allocation gradually to reduce risk as retirement approaches.

Avoid index funds here because they don’t offer active management needed to handle market ups and downs well.

Post-Retirement Investment Approach
After retirement, preserving your capital while generating income is crucial.

Asset Allocation:

Equity: Keep moderate exposure to fight inflation.

Debt: Prefer high-quality debt for steady income.

Withdrawal Strategy: Follow a safe withdrawal rate (around 4%), adjusting yearly for inflation.

Emergency Fund: Keep at least 12 months of expenses aside separately.

Other Important Points
Health Insurance: Have adequate coverage to avoid medical expense shocks.

Estate Planning: Prepare a will or trust to ensure your assets are distributed as you wish.

Regular Review: Update your financial plan annually to adjust for changes in market or lifestyle.

Finally
Retiring in 5 years is realistic with your current savings and income. With focused investing and discipline, you can create the corpus needed for a secure and comfortable retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner

www.holisticinvestment.in

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

..Read more

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My mistake I am not participate in josaa counselling 45652 rank in obc female candidates in JEE main csab which branch I take my Home State bihar
Ans: With an OBC-NCL home-state rank of 45,652 in JEE Main and CSAB counselling, the accessible B.Tech branches at NIT Patna in Round 2 (closing ranks) are: Electrical Engineering + M.Tech Power System (49,415), Mechanical Engineering (55,174), Manufacturing & Industrial Engineering (61,684), Civil Engineering (66,151), Construction Technology & Management (66,992), and Materials Science & Engineering (73,343). NIT Patna’s Training & Placement Cell reports 100% placement in Mechanical Engineering for 2022–23 and 2023–24, with an overall UG placement rate of 74.96% in 2023–24 and an average package of ?9.9 LPA in 2024–25. Electrical Engineering secures about 85% placements, while Civil Engineering records around 55% over the last three years. Manufacturing, Civil, and Power System branches feature a good mix of core-sector recruiters and consistent placement drives, but their branch-specific percentages trail Mechanical. Considering both branch availability and the aspirant’s career prospects in Bihar’s core and national job markets, Recommendation: Opt for Mechanical Engineering at NIT Patna for its assured 100% branch placements, strong average packages, and wide recruiter base; consider Electrical + Power Systems as a close second for specialized core roles. All the BEST for the Admission & a Prosperous Future!

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Sir,l got admission in computer science branch in IIT Palakkad and CS btech in BITS Goa .I am from Kerala. which one is best for me
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Asked by Anonymous - Jun 29, 2025Hindi
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Sir, I scored 69.2% in the boards. I am a SC category student, and I am getting CSE at IIT Roorkee. Will my 12th percentage affect my IIT placement in the future?
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Nayagam P

Nayagam P P  |7383 Answers  |Ask -

Career Counsellor - Answered on Jun 29, 2025

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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