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Ramalingam

Ramalingam Kalirajan  |9485 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 25, 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
Shiva Question by Shiva on Apr 25, 2025
Money

Sir, my current in hand salary is about 1.4L, my monthly SIP is of Approx Rs. 30,000. Now am planning to buy a flat in appartment which costs around 60L. Am having liquid cash of 12L where rest of the amount i have to go for Home loan. Should i purchase flat or should i invest in Mutual funds or gold which one is better.

Ans: You are earning Rs 1.4 lakh per month.

You are already doing Rs 30,000 SIP monthly. Very good.

You are now thinking of buying a flat worth Rs 60 lakh.

You have Rs 12 lakh in cash.

Balance Rs 48 lakh will need a home loan.

You also want to know if mutual funds or gold are better.

Let’s now look at your case from 360-degree view.

Every point below will guide you clearly.

Step-by-Step Assessment of Your Current Stage
Your salary is good. It gives strong monthly surplus.

SIP of Rs 30,000 shows you have a good saving habit.

Rs 12 lakh liquid is also a strong backup.

You are ready to make a major financial decision.

But one step at a time is very important.

Let’s evaluate all options together.

Buying a Flat – Things to Consider
You are planning to buy a flat of Rs 60 lakh.

Rs 12 lakh is ready with you.

You will need Rs 48 lakh loan.

That is a high loan amount.

EMI will be around Rs 40,000 to 45,000 per month.

This will reduce your monthly savings.

It may impact your SIP capacity also.

Bank will give loan, but you have to repay for 15–20 years.

Total interest paid will be very high.

Flat will also have maintenance charges.

Also property tax, society fee, repair cost etc.

Selling flat in future is not easy.

It is not liquid.

You are tying up your money in one asset.

This reduces flexibility.

Gold – Good or Not
Gold is emotionally strong in India.

But return is very low in long term.

Gold gives average return of 6% to 7% per year.

It does not beat inflation fully.

Gold is also not giving any monthly income.

Also, physical gold has risk of theft.

You cannot use gold to fund long-term goals.

It is only a small part of portfolio.

At best, 5% to 10% of total money can be in gold.

So, gold should not be your main plan.

Mutual Funds – Are They Better?
Mutual funds offer much better returns.

You are already doing SIP of Rs 30,000. Good job.

Mutual funds are flexible and transparent.

You can increase or reduce SIP anytime.

They beat inflation better than gold or FD.

Also better than home loan savings.

You can invest through regular plan.

With help of Certified Financial Planner.

Actively managed mutual funds are more dynamic.

Fund manager adjusts based on market.

Avoid index funds.

They don’t change with market trends.

Active funds have better long-term growth.

You can also invest via STP.

Or do lump sum in short term and transfer.

Direct Plans vs Regular Plans
Do not invest through direct funds.

No help or advice is available.

Regular funds with CFP support is much better.

You get review, rebalancing, and guidance.

CFPs can help you avoid wrong timing.

And also help plan withdrawal and tax saving.

Renting vs Buying – A Fair Analysis
Buying looks attractive because of asset ownership.

But there are hidden costs.

If you rent a flat, you save big on EMIs.

Also no maintenance, repair burden.

That saving can be invested in mutual funds.

That grows more than property value.

Renting gives you freedom to shift.

Also, easy if job or life changes.

Buying gives peace, but adds big loan pressure.

If you buy now, your SIP may reduce or stop.

That will affect long-term wealth.

What You Can Do Now – Ideal Strategy
Do not rush into property buying.

Think with numbers, not emotion.

Keep Rs 6 lakh as emergency fund.

Keep Rs 6 lakh as medium-term safe fund.

Continue SIP of Rs 30,000.

You can increase it slowly every year.

You can increase SIP by Rs 5,000 every year.

Use step-up SIP method.

After 5–7 years, you can buy a flat fully.

That too without big loan pressure.

Till then your mutual funds will grow.

Your income and savings will also rise.

In future, you may buy with just Rs 20–25 lakh loan.

That is easier to manage.

Till then, you can stay on rent.

Use rent+SIP strategy for 7–10 years.

Risk Management is Key
Don’t use your Rs 12 lakh to pay flat down-payment now.

You will lose liquidity and flexibility.

Loan pressure will also increase mental stress.

Continue investing in mutual funds.

Use mix of large cap, flexi cap, balanced funds.

Avoid ULIPs, annuities, or insurance-linked investments.

Always separate insurance and investment.

Taxation Side – What You Should Know
Home loan gives tax benefits.

But it is not always best reason to buy.

If you invest in mutual funds,

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

Short-term gain taxed at 20%.

If you hold long-term, tax is very low.

Tax-efficient and flexible.

Property has stamp duty, registration, GST.

Mutual funds have no such cost.

Lifestyle and Freedom
Home loan is like a 20-year commitment.

That limits life decisions.

Mutual fund investments give you life freedom.

You can take a break. Change job. Travel.

You stay financially independent always.

Final Insights
You are at a strong earning stage.

You have good habits of saving and SIP.

Buying a flat now will reduce your investment power.

Mutual funds will give more growth and flexibility.

Postpone flat buying by 5–7 years.

Build strong portfolio by then.

Use help of Certified Financial Planner for right fund choices.

Rent and invest now. Buy smartly later.

Your wealth and peace of mind will grow together.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
Asked on - Apr 26, 2025 | Answered on Apr 26, 2025
My age is 34 years and I have two kids age of 5 & 2, would you please suggest me the best certified financial planner who can manage my portfolio for my children education, my retirement plan and to beat this inflation.
Ans: Thank you for your trust.

It is very wise to plan early for your kids' education and your retirement.

To select a good Certified Financial Planner (CFP) + Mutual Fund Distributor (MFD), follow these simple strategies:

Choose a CFP with minimum 15+ years experience.

Ensure they offer customised, goal-based planning.

Prefer someone who combines investment with risk management advice.

Look for transparent fee structure.

Select someone who is focused on wealth creation, not product pushing.

Check client reviews and testimonials.

Confirm regular portfolio review and rebalancing services.

Prefer a CFP who educates, not just sells.

In case if you want to connect with me(CFP), you can reach me through my website mentioned below.

This platform has restrictions on sharing personal contact. Hope you understand.

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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Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

Asked by Anonymous - May 08, 2024Hindi
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I'm 32 unmarried and earn 4 lakhs per month post tax. My current MF portfolio is 90lakhs. With 20- 25% IRR and pay 50k for rent and 25k for expenses. want to know if should buy a flat worth 2 CR buy doing 50% down payment or should continue paying rent and invest n MF? If I continue with MF investment then when should be right period or financial situation to buy flat worth 2cr in future. PS: I don't see owning an home as an emotional attachnment.
Ans: Evaluating the Decision to Buy a Flat vs. Continue Investing in Mutual Funds
Understanding Your Financial Situation
As a 32-year-old earning 4 lakhs per month post-tax with a substantial MF portfolio of 90 lakhs, you're in a strong financial position. With disciplined spending, paying 50k for rent and 25k for expenses reflects prudent financial management.

Assessing the Rent vs. Buy Dilemma
Considering your high income and investment prowess, the decision to buy a flat worth 2 crores with a 50% down payment warrants careful consideration. Evaluating the financial implications of home ownership versus continued MF investing is essential.

Analyzing Financial Impact
Purchasing a 2 crore flat with a 50% down payment entails significant capital outlay and ties up funds that could otherwise be invested in MFs. Assess the opportunity cost of this decision, factoring in potential returns from MF investments versus home ownership.

Evaluating Long-Term Goals
Given your aversion to emotional attachment to homeownership, prioritize your long-term financial goals and investment objectives. Determine if the potential benefits of home ownership, such as asset diversification and stability, outweigh the opportunity cost of foregone investment returns.

Timing Considerations
Consider the timing of your decision to buy a flat in relation to your financial situation and market conditions. Monitor real estate trends, interest rates, and your MF portfolio performance to identify opportune moments for property acquisition.

Seeking Professional Advice
Consulting with a Certified Financial Planner (CFP) can provide valuable insights and personalized recommendations tailored to your financial objectives. A CFP can help you weigh the pros and cons of buying a flat versus continuing MF investments and devise a strategic plan aligned with your goals.

Conclusion
The decision to buy a flat or continue investing in MFs depends on various factors, including your financial goals, risk tolerance, and market conditions. By carefully evaluating the financial implications and seeking professional guidance, you can make an informed decision that aligns with your long-term financial objectives.

Best Regards,

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

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Ramalingam

Ramalingam Kalirajan  |9485 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 12, 2024

Asked by Anonymous - Aug 02, 2024Hindi
Money
Hello , I am 42 years old, I am owning 2 flats 2bhk and 2.5bhk, I have 70Lacs in mutual funds and 40 Lacs in pf and Loan rs 40 lacs. In my building resale flat is coming to sell worth rs 85L. Is it worth to buy third flat by putting all Mutual fund money?
Ans: Your interest in expanding your real estate portfolio demonstrates a strong awareness of investment opportunities. However, purchasing a third flat using your mutual fund investments requires careful consideration of the potential impact on your overall financial health. Let’s explore the implications in detail.

Current Financial Situation
Asset Overview:
You currently own two residential flats, a significant investment in real estate. Additionally, you have Rs. 70 lakhs in mutual funds and Rs. 40 lakhs in your provident fund. You also have a Rs. 40 lakh home loan, which is an ongoing liability.

Diversified Portfolio:
Your assets are spread across different investment classes—real estate, mutual funds, and provident fund. This diversification is vital in managing risk and ensuring that you have a balanced approach to wealth creation.

Evaluating the Impact of Liquidating Mutual Funds
Risk of Over-Concentration:
If you decide to liquidate your mutual funds to purchase the third flat, it will significantly increase your exposure to real estate. While property can appreciate over time, having too much of your wealth tied up in one asset class could expose you to higher risks, particularly in a fluctuating real estate market.

Loss of Liquidity:
Mutual funds, especially equity mutual funds, offer the advantage of liquidity. You can easily access your funds in times of need, which provides financial flexibility. Real estate, on the other hand, is an illiquid asset. Selling a property takes time and might not fetch the desired price, especially in a market downturn.

Opportunity Cost:
By using all your mutual fund money to buy another flat, you may miss out on potential market gains. Mutual funds, particularly those invested in equities, have historically provided higher returns over the long term. This could be a missed opportunity for wealth accumulation, especially if the real estate market underperforms.

Considering the Existing Loan
Financial Burden:
You currently have a Rs. 40 lakh loan. Adding another property by liquidating mutual funds might increase your financial obligations. Even if you manage to avoid taking a new loan, the pressure to maintain cash flow for property-related expenses (like maintenance, taxes, and potential renovation) could strain your finances.

Debt Management:
It’s essential to consider how the existing loan and potential expenses on a new property will affect your long-term financial goals. Increasing your liabilities might limit your ability to invest in other asset classes that offer growth potential and liquidity.

Real Estate vs. Mutual Funds
Concentration Risk:
Owning three flats means a large portion of your wealth is concentrated in real estate. This increases your exposure to risks like market downturns, changes in property laws, and other uncertainties. Diversification across asset classes helps in managing these risks better.

Maintenance and Costs:
Real estate investments come with ongoing costs such as maintenance, property taxes, and potential repairs. These expenses can eat into your rental income and overall return on investment. Unlike mutual funds, where the cost of investment is relatively low and predictable, property-related costs can be variable and sometimes unexpected.

Growth Potential:
Mutual funds, especially equity-oriented ones, have a track record of delivering higher returns over the long term. These returns come with market-linked risks, but the potential for growth is significantly higher compared to real estate. Additionally, the power of compounding in mutual funds can help in wealth creation over time, something that real estate investments may not offer to the same extent.

Alternative Strategy
Balanced Investment Approach:
Instead of fully liquidating your mutual funds, consider maintaining a diversified portfolio. A balanced approach could involve keeping a portion of your mutual fund investments while exploring partial financing options if you are keen on purchasing the third flat. This allows you to retain some liquidity and potential for growth.

Debt Fund Investments:
If you prefer low-risk investments, consider allocating some funds to debt mutual funds or bonds. These options offer steady returns with lower risk and can be an alternative to putting all your money into another property. Debt funds also offer better liquidity compared to real estate.

Enhanced Mutual Fund Portfolio:
If the primary concern is to optimize returns, you could consider enhancing your mutual fund portfolio by increasing your investment in equity funds or diversifying into balanced funds. These options provide a mix of growth and stability, aligning with your long-term financial goals.

Leveraging Current Assets:
You could explore leveraging your current assets, like taking a loan against your mutual funds or provident fund, to finance part of the property purchase. This way, you retain ownership of your mutual fund investments while acquiring the new property.

Final Insights
Buying a third flat by liquidating your mutual funds is a significant financial decision that could alter your overall financial landscape. While real estate has its benefits, the concentration of wealth in one asset class and the potential loss of liquidity and growth opportunities should be carefully weighed. A more balanced approach—retaining investments in mutual funds while exploring other options—could provide greater financial security and flexibility. Consulting a Certified Financial Planner (CFP) will further help in aligning your investment strategy with your long-term financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Asked by Anonymous - Jul 08, 2025Hindi
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Sir, my son is getting Mechanical and aerospace engineering in PEC, IT in UIET Chandigarh and CSE in CCET Chandigarh. Please suggest which would be the better option. He has Chandigarh state quota ( General Category)
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Nayagam P

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Career Counsellor - Answered on Jul 08, 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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