Apart of 80C, Housing Loan, Medical insurance for parents and self, is there any way to reduce tax in our system.

I am an early 30 aged man. I have a public job which I can say is a descent one. I am married and have a kid. I can't say I am an alcoholic but in someway my happiness is associated with alcohol. My job requires me to travel a lot and on those days I can do without any drinks. But on my off days I tend to drink like half a bottle of whatever alcohol I desire and the only thing I can say about is I gain happiness from it. On rare occasions I am tipsy. I give my family time and carry out daily chores as usual while at home. On the downside, drinking has made be obese and somewhat ill. But I can't figure out if I want to drop alcohol or not. Because as I said I don't see addiction anywhere in my inclination to alcohol but I derive a strange kind of happiness from it. Can you analyze my situation and give some advice?

Hi. I am currently 32 years old male working in a government sector. My take home salary is 1 lakh monthly and it will increase approx. 5% every year (basic 3%, da twice increase min. 4,4%). My NPS (employee and employer) deductions at present is around 25000 every month and will increase when basic increases every year (assuming basic increases by 3% pa without considering future promotions for now). Apart from this I am investing 10k every month in the mutual funds (small, mid and large cap), 5k every month in sukanya sammridhi yojana for my daughters educational needs. Parked 2 lakh in stock market and current value is 4 lakh, 6 lakh in PF (current value inc. interest earned so far), have LIC policy paying rs. 7300 quarterly, have term insurance (increasing sum assured, upto 1 CR for 15 years) and seperate health insurance to cover my family health expenses apart from govt. CGHS. I am repaying some loans (worth 20000 per month) took in the past and all loans will be cleared by 2030 December. Now I want to plan for my retirement (my current household expenses 40 to 45k per month=grocery, clothing, house rent, other misc. Needs), my child education (child current age is 2), her weeding expenses (consider marriage at 25 age), planning to have one more child in a year. I have privilege to join my kids in Kendriya Vidyalaya, so till 12th education expenses you can consider min. I also want to buy a home at the age between 50 to 55 near to Bangalore to old Mysore road (consider approx. Amount for 2 bhk apartment not in city little outskirts like kengeri or little farther). Now please suggest me. How to plan for my retirement, child marriage and education, construction of home

Can a 52 year old invest in SCSS?

Hello Sir, What about PFC and REC. Is there any scope of giving bonus shares in IOC, GAIL, Castrol, PFC, REC, OIL and NMDC

Investing in US stocks your views and hiw to invest

Sir/Madam... i would like to invest 12,500 SIP for 25 years... could you suggest me diversified portfolio in equity and debt sectors.. i.e., 5 to 6 types of mutual funds types

Hello Sir,am 40 year old, I have started doing SIP , some are one-time and some are per month SIP, Here is the list:- A---One time SIPs 1.Quant Small Cap Fund Direct Plan- One time invested One lakh and have kept it for 5 years. 2.Nippon India Multi Cap Fund Direct Growth-One time invested One lakh and have kept it for 5 years. 3.ICICI Prudential Small Cap Fund Direct Plan Growth-One time invested One lakh and have kept it for 5 years. 4.Kotak Nifty AAA Bond Jun 2026 HTM Index Fund Direct Growth B--Monthly SIPs 1.HDFC Mutual fund - 10,000 per month 2.Quant Small Cap Fund Direct Plan- 15,000 per month 3.SBI PSU Direct Plan Growth-10,000 per month. 4.I have an on-going sip since 6 years where the current value is 32 l and it's still ongoing . Basically keeping all the things can I make 50 lakhs in 5 years excluding the 32 lakhs which I already have

Respected sir i m planing to invest monthly some amount approx 20k pm so i should take sip or share in delivery or F&O

I am 29 years old and investing 5k in quant mid cap, 5k in Nippon small cap, 10k in parag Parikh flexi, 10k in 360 One focused equity fund , 5k in motilal nasdaq100 FOF and 10k in quant large cap. Is it good for long term like 30 years. Plz advise if I have to shuffle my sip. 45k is what I've kept aside for my monthly investments. My Target is to achieve Financial independence with a corpus of 6cr when I turn 60. Currently my returns are around 13%.