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Ramalingam

Ramalingam Kalirajan  |8337 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 30, 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
SANJAY Question by SANJAY on Nov 17, 2023Hindi
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SIR, GOOD DAY. I WOULD LIKE TO INVEST IN REITs. PL ENLIGHTEN ABOUT VARIOUS REITs IN INDIA AND TAXATION ASPECTS THERE TO. THANKS AND REGARDS

Ans: Real Estate Investment Trusts (REITs) are an increasingly popular investment option in India, offering opportunities to invest in income-generating real estate assets. Here's an overview of REITs in India and their taxation aspects:

Types of REITs: In India, there are primarily two types of REITs: Equity REITs and Mortgage REITs. Equity REITs own and operate income-generating real estate properties, while Mortgage REITs provide financing for real estate investments.
Listed REITs: Currently, there are a few listed REITs in India, including Embassy Office Parks REIT and Mindspace Business Parks REIT. These REITs own commercial properties such as office spaces and lease them out to tenants, generating rental income for investors.
Taxation Aspects:
Dividend Distribution Tax (DDT): REITs are required to distribute at least 90% of their net distributable income to investors as dividends. This income is exempt from DDT at the REIT level.
Taxation at Investor Level: Dividends received from REITs are taxable in the hands of investors as per their applicable income tax slab rates.
Capital Gains Tax: Any capital gains arising from the sale of REIT units are taxed as per the capital gains tax regime. If units are held for more than 3 years, they qualify for long-term capital gains tax with indexation benefits. Otherwise, they are subject to short-term capital gains tax as per the investor's income tax slab rates.
Tax Deductions: Investors can also avail tax deductions under Section 80C of the Income Tax Act for investments made in REIT units, subject to certain conditions.
Risks and Considerations: While REITs offer the potential for regular income and capital appreciation, investors should be mindful of risks such as fluctuations in real estate prices, tenant occupancy, and interest rate changes.
Before investing in REITs, it's essential to conduct thorough research, assess your risk tolerance, and consult with a Certified Financial Planner or tax advisor to understand the taxation implications and suitability of REIT investments based on your financial goals and circumstances.
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

Ramalingam Kalirajan  |8337 Answers  |Ask -

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

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Hi sir Good evening M a lady n giving Tution at home. I fill itr since 4 yrs, 6lac per annum is present income through Tution. I invest in sip 2k from July 2024 and second sip has been stopped in March2024 . First one is regular. I want knowledge about Reits Investment. I want to invest in min lump sum amount . Plz guide me how much min investment I will make on Reits.
Ans: Your Current Situation
Income: You earn Rs 6 lakhs per annum through tuition.

SIP Investments: You have a SIP of Rs 2,000 per month since July 2024. Another SIP stopped in March 2024.

Investment Interest: You want to know about REITs (Real Estate Investment Trusts) and how to invest a minimum lump sum amount.

REITs Investment Insights
1. What are REITs?

Real Estate Exposure: REITs allow you to invest in real estate without buying property.
Income Generation: They generate rental income and distribute it as dividends.
Diversification: REITs offer exposure to commercial real estate, adding diversity to your portfolio.
2. Benefits of Investing in REITs

Regular Income: REITs provide regular dividends from rental income.
Liquidity: They are traded on stock exchanges, making them easy to buy and sell.
Professional Management: Managed by experts, reducing the hassle of property management.
3. Disadvantages of REITs

Market Risk: REITs are subject to market fluctuations.
Interest Rate Sensitivity: REIT performance can be affected by interest rate changes.
Management Fees: Some REITs may have high management fees.
Minimum Investment in REITs
1. Investment Amount:

Affordable Entry: You can start with as low as Rs 50,000.
Regular Monitoring: Keep track of REIT performance to make informed decisions.
2. Investment Approach:

Lump Sum Investment: Suitable if you have a considerable amount to invest at once.
Diversified Portfolio: Include REITs as part of a diversified investment strategy.
Recommended Investment Strategy
1. Continue SIP Investments:

Consistency: Continue your existing SIP of Rs 2,000.
Increase Amount: Gradually increase your SIP amount as your income grows.
2. Allocate Funds to REITs:

Lump Sum Investment: Invest a minimum lump sum in REITs for diversification.
Monitor Performance: Regularly review REIT performance and market trends.
3. Build an Emergency Fund:

Financial Safety: Maintain an emergency fund for unexpected expenses.
Easy Access: Ensure it is liquid and easily accessible.
4. Seek Professional Guidance:

Expert Advice: Consult a Certified Financial Planner for personalized investment advice.
Regular Reviews: Schedule regular reviews of your investment portfolio.
Final Insights
Diversify Investments: Include REITs for diversification and regular income.

Monitor Regularly: Keep an eye on your investments and adjust as needed.

Professional Help: Consult a Certified Financial Planner for tailored advice.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8337 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 25, 2024

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Hlw SIr Good evening I want to know about Reits.. Real Estate investment. Plz guide me of how much min investment I will make.
Ans: REITs are companies owning income-producing real estate.
They allow individual investors to earn dividends without buying, managing, or financing properties.
Advantages of REITs

Liquidity: Easily bought and sold on stock exchanges.
Diversification: Invest in different property types and locations.
Regular Income: Dividends from rental income.
Professional Management: Managed by professionals ensuring efficiency.
Minimum Investment

Varies: Depends on the specific REIT and platform.
General Range: Can start with as low as Rs 5,000 to Rs 50,000.
Disadvantages of REITs

Market Risk: Subject to market volatility like stocks.
Fees: Management and transaction fees can reduce returns.
Dividend Tax: Dividends are taxable, affecting net returns.
How to Invest in REITs
Through Stock Exchanges

Listed REITs: Available on stock exchanges.
Process: Similar to buying stocks; use a demat account.
Mutual Funds

REIT Mutual Funds: Funds that invest in REITs.
Benefit: Professional management and diversification.
Tips for Investing in REITs

Research: Understand the REIT's portfolio, performance, and management.
Diversify: Don't invest all in one REIT; diversify across sectors and regions.
Long-Term Perspective: Hold investments for a longer period for potential growth.
Alternatives to Direct REIT Investment
Actively Managed Funds

Flexibility: Fund managers can adapt to market changes.
Potential for Higher Returns: Aim to outperform index funds.
Regular Mutual Funds

Guidance: Investment through Certified Financial Planners ensures professional advice.
Convenience: Easier management and oversight.
Final Insights
Start Small: Begin with a manageable amount and increase gradually.
Monitor Regularly: Keep an eye on market trends and performance.
Consult a CFP: Seek advice from a Certified Financial Planner for tailored guidance.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |8337 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 25, 2024

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Hlw sir tell me about Reits. Real Estate investment. Min investment Kitna hota h sir Isme aur kabse profit aata h. And kaise invest krte h Reits m. Plz guide me. Thank you so much ????
Ans: What Are REITs?

Definition: REITs, or Real Estate Investment Trusts, are companies that own, operate, or finance income-generating real estate.

Structure: They allow individual investors to earn a share of the income produced through commercial real estate ownership without actually having to buy, manage, or finance any properties.

Minimum Investment in REITs

Entry Point: The minimum investment varies by REIT. Generally, you can start with as low as Rs 10,000.

Accessibility: REITs are traded on major stock exchanges, making them accessible to small investors.

Profit Generation in REITs

Income Source: REITs generate income primarily through rent collected from the properties they own.

Dividends: Investors receive dividends from these earnings, typically paid out quarterly or annually.

Capital Appreciation: Over time, the value of the properties owned by the REIT can increase, leading to capital gains.

Investment Timeline

Short-Term: You may start seeing dividend income within a few months.

Long-Term: Capital appreciation generally takes a longer time, potentially several years.

How to Invest in REITs

Choose a REIT:

Types: Decide whether you want to invest in Equity REITs (own and operate real estate) or Mortgage REITs (provide financing for income-producing real estate).

Research: Look at the track record, property portfolio, and management team of the REIT.

Brokerage Account:

Open an Account: If you don't already have a brokerage account, open one with a reputable broker.

Select REIT: Use your brokerage platform to select and buy shares of the REIT you are interested in.

Monitor Performance:

Review Regularly: Keep an eye on the performance of your REIT investments.

Market Conditions: Be aware of changes in the real estate market that could impact your investment.

Disadvantages of Direct Real Estate Investment

High Costs: Direct real estate investments require significant capital outlay for purchase, maintenance, and management.

Illiquidity: Real estate assets are not easily converted into cash without a substantial loss of value.

Advantages of REITs Over Direct Real Estate Investment

Liquidity: REITs can be bought and sold on stock exchanges, offering high liquidity.

Diversification: You can invest in a portfolio of properties across different sectors and locations.

Professional Management: REITs are managed by experienced professionals, ensuring better management of the properties.

Considerations Before Investing in REITs

Market Risks:

Economic Factors: REITs are subject to market risks and economic factors affecting real estate, such as interest rates and property market trends.
Investment Goals:

Align with Goals: Ensure that investing in REITs aligns with your financial goals and risk tolerance.
Professional Guidance:

Certified Financial Planner: Consulting a Certified Financial Planner can provide personalized advice tailored to your specific situation and financial objectives.
Final Insights

Diversify: Consider diversifying your investment across different types of REITs for balanced risk and return.

Stay Informed: Keep updated with market trends and REIT performance to make informed investment decisions.

Long-Term Perspective: While REITs can provide steady income, they are best suited for investors with a long-term perspective.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |8337 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 13, 2025

Money
Hi sir I have 9 lakhs personal lone give me some tips to close the personal lone
Ans: A personal loan of Rs. 9 lakh can feel stressful.
But with proper steps, it can be closed faster.

Here are smart, simple tips to help you close it early.

Know Your Loan Details Clearly
Check interest rate, EMI, and tenure.

Know the outstanding principal amount.

Note if any prepayment charges apply.

This gives clarity for planning the next steps.

Create a Short-Term Goal
Set a clear target to close the loan.

Aim for closure in 18 to 24 months.

Keep the goal visible. This builds focus.

Start a Loan Prepayment Fund
Open a separate savings account.

Put any bonus, gift, or windfall here.

Add Rs. 5,000 to Rs. 10,000 every month.

This fund helps you part-pay regularly.

Cut Down on Unnecessary Expenses
Review monthly spending habits.

Cut online shopping, dining out, and gadgets.

Save and use the extra for prepayment.

This sacrifice is temporary but powerful.

Increase EMI If Possible
Speak with your bank to revise EMI.

Even Rs. 2,000 extra can reduce tenure.

Small increase now means big savings later.

Prepay Every Quarter
Don’t wait for large amounts.

Prepay even Rs. 20,000 each quarter.

It reduces principal and interest burden.

Consistency is more important than size.

Use Extra Income Wisely
Use bonuses, incentives, or gifts to repay.

Don’t spend them on lifestyle upgrades.

Focus on freedom from debt first.

Avoid Taking Any New Loan
Don't apply for credit cards or loans.

Keep your financial focus sharp.

New loans will delay your current closure.

Sell Idle Assets If Needed
If you have gold, old electronics, or bike, sell.

Use the money to pay down the loan.

Debt-free life is more peaceful than unused things.

Avoid Just Paying EMI Alone
EMI only keeps you going.

Prepayments are what end the loan.

Make it your top priority.

Stay Motivated and Track Progress
Write down your loan goal in your room.

Track how much you reduced each month.

Celebrate small wins. They boost confidence.

Finally
A personal loan is high-cost debt.
Closing it early gives peace and savings.

Use every extra rupee wisely.
Avoid lifestyle inflation and temptations.

Be focused, consistent, and disciplined.
You will soon be free from this Rs. 9 lakh loan.

Once free, start building your future wealth.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8337 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 13, 2025

Asked by Anonymous - May 13, 2025
Money
I want to retire by age 50, which gives me about 12 years to become debt-free and build a strong corpus. I have savings worth Rs 30 lakh. Should I use my current savings to aggressively prepay my home/personal loan so I can redirect future income entirely toward retirement? I have loan worth Rs 45 lakh. I am 38 now.
Ans: Your focus on retiring at 50 is powerful and inspiring.

You are 38 now. You have 12 years for a major life shift.
That’s enough time if handled with care and clarity.

We will cover debt reduction, wealth creation, and risk management.

Understanding Your Current Financial Position
Your current savings are Rs. 30 lakh.

You have loan outstanding of Rs. 45 lakh.

You want to retire in the next 12 years.

Goal is to become debt-free and build a strong corpus.

This combination of debt and savings needs precise planning.

Define Your Retirement Vision
You must first define your retirement lifestyle.

Know your monthly expenses after age 50.

Plan for healthcare, travel, family commitments.

This will help you know the size of corpus needed.

Also, calculate inflation-adjusted monthly needs post-retirement.
That gives clarity on savings and investment targets.

Evaluate Loan Terms and EMI Pressure
Check the interest rate on your loan.

Check tenure remaining and EMI amount.

If the loan is a home loan, interest rate may be low.
If personal loan, then rate may be very high.

EMI strain also matters.
If EMI is too high, financial stress will impact investments.

Should You Use Savings to Prepay the Loan?
The answer depends on loan rate versus investment return.

Let us assess both sides carefully.

Benefits of Loan Prepayment
Interest burden reduces immediately.

Loan tenure comes down if EMI is constant.

Less stress from outstanding liabilities.

More mental peace and freedom.

This is very helpful when targeting early retirement.

Limitations of Prepaying Entirely Now
You reduce your liquidity buffer.

No savings left for emergency or investing.

Retirement fund building gets delayed.

You need to strike a balance.
Don’t overpay and lose growth time.

12 years is your golden period to build wealth.
Once retired, no fresh income may come in.

Suggested Strategic Approach
Do not use full Rs. 30 lakh for loan prepayment.
Instead, follow a dual strategy of part-prepayment and part-investment.

This gives you control, growth, and flexibility.

Step 1: Create Emergency Reserve
First, keep Rs. 6 lakh aside in liquid funds.

This covers 6-8 months of household costs.

It also covers health, job, or life emergencies.

This amount gives you safety and liquidity.

Step 2: Partial Loan Prepayment
Use Rs. 12 lakh to prepay the loan now.

This brings down principal and interest burden.

Keep EMI amount the same, reduce tenure.

Check with your bank for exact numbers.
Focus on tenure reduction, not EMI reduction.

This builds pressure-free freedom for later years.

Step 3: Begin Long-Term Investments
You will now have Rs. 12 lakh available from savings.

Start investing this over the next 12 to 18 months.

Use Systematic Transfer Plan (STP) from liquid fund.

The investment should focus on long-term growth.
We suggest a mix of actively managed mutual funds.

Why Actively Managed Mutual Funds?
They are managed by expert fund managers.

They outperform in both bull and flat markets.

They help manage risks in volatile times.

Please do not invest in index funds.

Index funds just mirror the market blindly.

They cannot protect during market corrections.

They give average returns, not goal-focused returns.

Actively managed funds give tailored strategies.
They are ideal for someone targeting early retirement.

Avoid Direct Plans Without Expert Help
If you invest in direct plans without guidance:

You miss out on rebalancing help.

You may pick wrong funds and lose time.

You might panic during market falls.

Invest through a Certified Financial Planner and MFD.
They track your funds and tweak them when needed.

Future Surplus Allocation Plan
Now we plan how to use your income going forward.

Increase investments every year by 10% to 15%.

Avoid lifestyle inflation, focus on corpus creation.

Prepay loan further with yearly bonuses.

Aim to close the entire Rs. 45 lakh loan
within the next 5 to 6 years.

This frees up large income chunks for retirement building.

Long-Term Investment Portfolio Structure
After you are debt-free, investment can accelerate.
Target the following portfolio structure:

60% in diversified equity mutual funds.

30% in hybrid or balanced advantage funds.

10% in short-term debt and liquid funds.

This portfolio gives growth, safety, and liquidity.
It also protects your retirement income planning.

Retirement Goal Calculator
Your retirement corpus must support 30+ years of life.

Use future value estimates, not current expenses.

Include lifestyle, medical, and unexpected costs.

Work backward from age 50 to know how much to save.
That gives you an annual savings target.

Stick to it with discipline.

Risk Management Plan
You must protect your assets and income.

Take health insurance of Rs. 10 lakh minimum.

Add a super top-up of Rs. 25 lakh.

Hold term insurance till age 60.

Nominate all your investments properly.

Keep one joint holder for each major asset.

Make a Will once you cross age 45.
Also, review insurance and goals every 3 years.

Tax Planning and Cash Flow Monitoring
As your investments grow, tax planning becomes critical.

Equity mutual funds: LTCG above Rs. 1.25 lakh taxed at 12.5%.

STCG taxed at 20%.

Debt funds taxed as per income slab.

Plan redemptions carefully to reduce tax outgo.
A Certified Financial Planner will guide with tax-smart withdrawals.

Track monthly cash flows with a simple Excel sheet.
Avoid unplanned EMI burdens or impulse purchases.

Monitor and Review Every Year
Review your investment performance every 6 months.

Evaluate any underperforming schemes.

Rebalance asset mix if markets shift.

Reassess loan status every Diwali.

Annual reviews bring control and direction.
Your financial plan must adjust with age and market.

Finally
Your goal of retiring at 50 is realistic.
But it needs focused planning and timely action.

Your savings, loan, and income must work together.
A dual approach of prepaying and investing is ideal.

It gives freedom from debt and freedom to grow.

Work with a Certified Financial Planner to review every step.
Stay consistent, avoid distractions, and build your vision patiently.

With 12 disciplined years, you can achieve early retirement.
Start today. Stay invested. Stay focused.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Ramalingam

Ramalingam Kalirajan  |8337 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 13, 2025

Asked by Anonymous - May 13, 2025
Money
Hello Sir - I am 52 years old and I have taken a break from my career. I currently have around 6 Crores worth of savings - 2 Crs in Equity and 4 Crs in FD. In addition, I have 2 residential houses and a farm plot all totalling around 4 Crores. No loan exposure. Anticipated expenses in future - daughter's higher studies in Europe after 6 years. Can you please advise me on the ideal portfolio construction.
Ans: You have taken smart and timely financial decisions so far.

Your present financial standing is strong and commendable.
No loans, good asset mix, and clarity on future needs.

Let’s now structure your investment portfolio with long-term clarity.
We will look at stability, growth, liquidity, and future goals.

Understanding Your Current Position
You have Rs. 6 crores in financial investments.

Rs. 2 crores in equity.

Rs. 4 crores in fixed deposits.

Additional Rs. 4 crores in real estate.

No loan liabilities.

Future key goal: Daughter’s higher studies in Europe in 6 years.

Your priority is to protect capital, generate growth, and stay liquid.
Your strategy should also aim at tax-efficiency and simplicity.

Key Investment Objectives
Preserve your existing capital base.

Provide for daughter’s overseas education.

Build a steady long-term wealth creation portfolio.

Maintain enough liquidity for emergencies.

Balance growth with lower downside risk.

Keep taxation under control with efficient planning.

Suggested Asset Allocation
Let us now assess an ideal mix.

20% in Fixed Income instruments.

60% in Actively Managed Mutual Funds.

10% in Emergency and Ultra Short-Term Funds.

10% in Gold and Sovereign Gold Bonds.

This structure is balanced, growth-oriented, and liquidity-ready.
You already have real estate, so no fresh allocation there.

Repositioning Your Existing Portfolio
You already hold Rs. 4 crores in FDs.
FDs are safe but returns barely beat inflation.

Consider breaking Rs. 2.5 crores from FDs.

Reinvest in better-performing asset classes.

You have Rs. 2 crores in equity.
We assume this is in direct equity or past mutual fund investments.

Shift from direct equity to actively managed mutual funds.

They offer professional fund management.

Diversification across sectors brings better long-term results.

Helps reduce stock-specific risks.

Please avoid index funds.

Index funds blindly follow the market.

They lack flexibility and active monitoring.

They fail to outperform in volatile or sideways markets.

Actively managed funds offer better risk-adjusted returns.

If you are currently investing in direct funds, be cautious.

Direct plans lack personalised advice.

Choosing wrong funds can affect returns heavily.

Regular funds through an MFD with CFP credential offer guidance.

Continuous monitoring and rebalancing are also provided.

In your case, a Certified Financial Planner can help align the portfolio
with your family’s unique life goals and risk capacity.

Detailed Portfolio Construction Plan
1. Fixed Income Allocation – 20%
Allocate Rs. 1.2 crores to debt mutual funds.

Choose high-quality short-term or corporate bond funds.

Keep the duration under 3 years for safety.

Avoid FDs for long term due to lower returns.

Debt funds are more tax-efficient after 3 years.

Be mindful of the new tax rule:
Debt fund gains are taxed as per your income slab.

So, debt funds offer better post-tax returns only
if held with smart timing and product choice.

2. Actively Managed Mutual Funds – 60%
Allocate Rs. 3.6 crores gradually in equity mutual funds.

Choose a blend of multi-cap, flexi-cap, and large-mid cap funds.

Add some exposure to thematic or sectoral funds for growth.

SIP route is ideal for phased exposure.

This diversified equity allocation brings long-term wealth creation.
You also reduce timing risk with regular investments.

The mutual fund mix should be carefully curated
based on your risk profile and goal horizon.

Please ensure a Certified Financial Planner monitors this portfolio
and rebalances every 6 to 12 months.

3. Emergency and Contingency Allocation – 10%
Keep Rs. 60 lakhs in ultra-short term and liquid funds.

This covers 24+ months of monthly household expenses.

Provides quick access for health and personal emergencies.

Avoid using this for investments or lifestyle spends.

This fund should remain untouched except for real emergencies.

4. Gold and Sovereign Gold Bonds – 10%
Invest Rs. 60 lakhs in Sovereign Gold Bonds.

They offer 2.5% annual interest plus gold value appreciation.

Held for 8 years, they are tax-free on maturity.

Ideal for diversification and long-term safety.

Avoid physical gold due to purity and storage risks.
Avoid gold ETFs due to expense ratio and no added interest.

Special Planning for Daughter’s Higher Studies
This is a clear and high-value goal.
Timeline is 6 years, so you can take some calculated risk.

Start a separate mutual fund portfolio for this goal.

Allocate Rs. 1 crore gradually into hybrid and balanced funds.

Use 3-4 year SIP/STP mode to reduce risk.

In the fifth year, begin shifting to ultra-short-term debt funds.
This ensures capital safety before the actual outflow.

Avoid touching this portfolio for any other purpose.
Mark this as “Dedicated for Education Purpose” for clarity.

Real Estate Holding Review
You already own two houses and one farm plot.
This is already 40% of your net worth.

No need to invest further in real estate.

Maintain only one house for self-use.

Other properties can be retained for legacy or rental income.
Do not consider real estate for cash flow or liquidity.

Keep property papers and title clear.
Maintain up-to-date valuation documents and insurance.

Key Risk Management Steps
Take a Rs. 25 lakh family floater health insurance.

Add super top-up for extra cover.

Keep your term insurance active till age 60.

Ensure proper nominations in all investments.

Make a registered Will and keep it updated.

Joint holding in major investments ensures easy access.

Risk management avoids surprises.
This is as critical as choosing good investments.

Tax Management & Compliance
Use the new capital gains tax rule wisely.

Equity MF LTCG above Rs. 1.25 lakh is taxed at 12.5%.

Short-term capital gains on equity are taxed at 20%.

Debt MF gains are taxed as per your slab.

Plan redemption dates carefully to reduce tax outgo.

Keep a simple tracker for each investment and its tax impact.
A Chartered Accountant can assist you every March for tax planning.

Review and Monitoring
Review the portfolio every 6 months.

Check for underperformance in any scheme.

Rebalance based on market changes or life changes.

Avoid panic-based decisions during market falls.

Periodic reviews are key to financial health.
A Certified Financial Planner can help simplify this review.

Finally
Your current standing is financially strong.
You have saved well and kept liabilities away.

A structured investment plan will now build on this base.
You can now enjoy peace of mind with clarity and control.

Your daughter's education can be fully supported.
Your own future lifestyle can be secured.

This 360-degree solution focuses on growth, safety, and simplicity.

Keep investing with discipline.
Stay guided with professional help.
Keep all financial documents well organised.

Wishing you lifelong financial freedom and happiness.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

Shalini

Shalini Singh  |154 Answers  |Ask -

Dating Coach - Answered on May 13, 2025

Asked by Anonymous - May 11, 2025
Relationship
Hi Shalini ji I was in a serious relationship for 6 years with a boy whom I met on the 1st day of my college. He was from a different caste. Hence when my parents got to know they disapproved of it very strictly so I knew it wasnt going to work that easily. After sometime they started asking to get married. It was an ultimate pressure while we both were preparing for some government exams. I went through utter confusion and I got stuck between trying to study and at the same time thinking about my future with him. I was pressurised by my family including my brother and parents to leave him. Meanwhile I decided to not to carry it forward because I couldn't leave my parents for whole life to be with him because it was either him or my family. I lost all the focus towards my studies due to this decision and also started talking to some other boy (he was from my own caste accidently) whom I met accidentally at an exam centre for comfort. I got a brief moments of happiness with him. I confide my pain in him. Suddenly something happened in my family ,between my parents. And my mother started acting like you can choose your own partner for life because somehow she lost trust on my father. She even was comfortable with my brother's marriage with the one whom he loves. Now I feel completely betrayed because for them I left love of my life and got into another relationship with the boy I met at an exam center ( which now I feel was a hasty decision as I felt alone and depressed). Now no one talks about my real love and what i think about it for the future. I am in a complete state of repentance. I feel like I betrayed him. Now when i think of getting back to him I hesitate a lot because I think that I took a wrong decision due to the pressure and under stress. The person I am with now, I feel is not what I wanted as a partner and I feel that he is not mentally supportive. I wnat to leave him as well. What should I do now to be happy?
Ans: 1. Happiness is in your hand
2. You sound like an adult, over 21 and someone who knows what is right and what is not - so take action
3. If you are not happy in your current relationship, come out of it.
4. If you wish to reconnect with your earlier partner do so, but keep in mind he may not be single and if he is he will not be how you knew him, as in he will come with his own experience of life.

all the best.

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