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Unmarried 28-year-old female, earning 18 LPA, seeks financial freedom: What's my game plan?

Ramalingam

Ramalingam Kalirajan  |9255 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 30, 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
Sagarika Question by Sagarika on Jan 30, 2025Hindi
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Female -28 unmarried. Current CTC 18LPA Current SIP totals - 28k Fixed deposits -3lakhs till date. Recurring - 6.5k . At 1lakh now Ppf - 5k per month started 8 months ago. Money to Family -20k Wht should be my game plan to achieve financial freedom.

Ans: You earn Rs 18 LPA, a strong income at your age.

Your SIPs total Rs 28K per month, which is disciplined investing.

You have Rs 3L in Fixed Deposits and Rs 1L in Recurring Deposits.

You invest Rs 5K per month in PPF, a safe long-term option.

You support your family with Rs 20K per month, which is commendable.

You are financially stable but need a structured plan for financial freedom.

Define Your Financial Freedom Goal
Financial freedom means your investments generate income for your expenses.

You need clarity on the lifestyle you want post-financial freedom.

Identify a target corpus based on future living costs and goals.

Factor in inflation, healthcare, and other personal aspirations.

Increase Your Investment Capacity
Your SIP of Rs 28K is great, but with a higher income, increase it.

Aim to invest 40%-50% of your monthly income over time.

Keep increments gradual and sustainable with annual salary hikes.

Avoid unnecessary expenses and prioritise wealth-building.

Optimise Your Investment Portfolio
SIPs should be in diversified, actively managed funds.

Actively managed funds have expert fund managers for better risk-adjusted returns.

Avoid direct funds, as they lack expert guidance. Invest via a Certified Financial Planner.

Maintain a mix of equity, debt, and hybrid funds for risk balancing.

PPF is good but should not be the main investment.

Fixed Deposits offer safety but lower returns. Keep minimal funds there.

Emergency Fund and Risk Management
Keep an emergency fund of 6-12 months' expenses.

Use a high-liquidity option like a savings account or liquid mutual fund.

Ensure you have adequate health and term insurance.

Insurance should be for protection, not investment.

Increase Passive Income Sources
Relying only on job income delays financial freedom.

Explore options like dividends, bonds, or side hustles.

Passive income reduces dependency on employment.

Tax Efficiency in Your Plan
Maximise tax-saving investments under available exemptions.

PPF and EPF help in long-term tax-free growth.

Debt funds offer indexation benefits for tax-efficient returns.

Consult a Certified Financial Planner for tax-efficient strategies.

Smart Debt Management
Avoid high-interest loans like credit card debt.

If you have existing loans, prioritise early repayment.

Use loans only for productive assets or absolute necessities.

Review and Rebalance Periodically
Investments need periodic review to stay aligned with goals.

Rebalance the portfolio based on market conditions and personal needs.

A Certified Financial Planner helps in fine-tuning the plan.

Final Insights
You are on the right path but need a structured approach.

Increase investments gradually and maintain a balanced portfolio.

Build an emergency fund and secure adequate insurance.

Develop passive income streams for quicker financial freedom.

Stay disciplined and review your plan regularly.

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 Apr 04, 2024

Asked by Anonymous - Jan 03, 2024Hindi
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Hi Ramalingam, I am 26 earning 78k per month as salary Having investment in FD: 2.5lakh RD:2500per month (started dec 2023) SBI conta fund 2000 monthly started (dec 2023) SBI small cap:2000 per month (started nov 2023) SBI bluechip fund: 2000 per month (started nov 2023) SBI multicap fund: 2000 (started nov 2023) And started contributing in PF as well from last year, deposited 1.5lakhs Are my investments are on track or where and how much shall I invest to attain financial freedom at the age of 40-42 ? I also want to buy a car soon. Kindly suggest.
Ans: It's great to see that you've started investing at a young age and are thinking about your financial future. Here are some suggestions to help you achieve your goals:

Review Your Portfolio: Evaluate the performance of your existing investments periodically and ensure they are aligned with your financial goals and risk tolerance.

Emergency Fund: Consider building an emergency fund equivalent to 3-6 months' worth of expenses. This fund will provide a financial cushion in case of unexpected expenses or loss of income.

Diversification: While it's good to have investments in mutual funds and recurring deposits (RD), consider diversifying your portfolio further. Explore other asset classes such as equity, debt, real estate, and gold to spread risk and enhance returns.

Goal-Based Investing: Define your financial goals clearly, including milestones like buying a car and achieving financial freedom by age 40-42. Allocate your investments accordingly to meet each goal within the desired timeframe.

Investing for Retirement: Since you aim to achieve financial freedom by age 40-42, focus on building a substantial retirement corpus. Consider investing in long-term wealth creation instruments like equity mutual funds, PPF (Public Provident Fund), NPS (National Pension System), and EPF (Employee Provident Fund).

Car Purchase: If you plan to buy a car soon, start setting aside a portion of your savings towards this goal. You can either save up the entire amount or consider taking a car loan, depending on your financial situation and preferences.

Budgeting: Track your income and expenses regularly to ensure you're living within your means and allocating sufficient funds towards savings and investments.

Financial Planning: Consider consulting with a financial advisor to create a comprehensive financial plan tailored to your goals, risk profile, and investment horizon. They can help you optimize your investment strategy and make informed decisions.

Remember to stay disciplined with your savings and investments, avoid impulsive spending, and continue learning about personal finance to make informed decisions. With prudent financial planning and consistent efforts, you can work towards achieving financial freedom and realizing your goals.

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Ramalingam Kalirajan  |9255 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 19, 2024

Asked by Anonymous - May 11, 2024Hindi
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? rediff.com Rediff Gurus Logo Hi Jay Chandora | Sign Out HealthHealth MoneyMoney RelationshipRelationship CareesCareer Ask your questions about health, money, relationship or careers here Ask Anonymously Jay Jay 1 Questions 0 Answers 1 Gurus 0 Bookmarks These questions will be answered soon. Not Answered yet Jay Asked on - May 10, 2024 I am 31 years old and I have monthly income of 1,80,000 including wife's income after deducting all taxes and monthly expenses and EMIs. Curent Investment is going like this per month. 1. 125,000 in mutual funds in below category. And I am expecting to increase this sip by 10% annually. 65000 in small cap 35000 in mid cap 25000 in large cap 2. 8500 in PPF 3. 25000 towards buying gold coins I have a emergency funds of 11 lacs in FD which is almost 20X of monthly expenses. Also in stocks I have accumulated around 12 lacs since from last month only I increased sip amount. My goal is to get financial freedom by age of 38 with 4-5 crores. Could you please suggest if I am moving in right path.
Ans: Congratulations on your disciplined financial planning and significant progress towards your goals. You have a well-structured approach to investments, and it’s great to see your commitment to financial freedom.

Current Financial Situation
Your current monthly income is ?1,80,000. After deducting taxes, expenses, and EMIs, your investments are allocated as follows:

Mutual Funds: ?1,25,000 (increasing SIP by 10% annually)
Small Cap: ?65,000
Mid Cap: ?35,000
Large Cap: ?25,000
Public Provident Fund (PPF): ?8,500
Gold Coins: ?25,000
You have an emergency fund of ?11 lakhs in a fixed deposit, which covers 20 months of expenses. Additionally, you have ?12 lakhs in stocks.

Analyzing Your Investment Strategy
Mutual Funds
Your allocation in mutual funds is quite aggressive, with a significant focus on small and mid cap funds. While these can provide high returns, they also come with higher volatility.

Small Cap Funds: These can deliver substantial growth but are risky. Ensure you have a long-term horizon for this investment.

Mid Cap Funds: These balance growth and risk but still carry more risk compared to large cap funds.

Large Cap Funds: These provide stability and moderate returns, balancing your portfolio.

Public Provident Fund (PPF)
Your monthly contribution to PPF is ?8,500. PPF is a safe investment with tax benefits, and it should be part of a long-term strategy.

Gold Coins
Investing in gold coins can be a hedge against inflation and currency fluctuations. However, the allocation seems high. Consider diversifying within other stable asset classes.

Emergency Fund
An emergency fund of ?11 lakhs is prudent and well-maintained. It ensures liquidity and financial security in unforeseen circumstances.

Steps to Achieve Financial Freedom
Increase SIPs Gradually
You plan to increase your SIPs by 10% annually. This is a sound strategy. As your income grows, increasing your investment contributions will significantly impact your corpus growth.

Portfolio Diversification
Ensure your portfolio is diversified. Currently, there’s a heavy tilt towards small and mid cap funds. Consider increasing allocation to large cap and balanced funds to reduce risk.

Regular Monitoring and Rebalancing
Regularly review your investment portfolio. Rebalance it to align with your risk tolerance and financial goals. A diversified portfolio helps manage risk effectively.

Target Corpus Calculation
To achieve a corpus of ?4-5 crores by age 38, considering you have 7 years, your current investments and future increments should be strategically planned.

Mutual Funds Growth: With an expected annual return of 12-15%, your increasing SIPs can substantially grow your corpus.

Stock Market Investments: Your current ?12 lakhs in stocks can grow significantly with regular investments and market returns.

PPF and Gold: Continue with your PPF contributions for safety and tax benefits. Gold investments should be moderate to avoid over-concentration in one asset.

Professional Guidance
Consulting a Certified Financial Planner (CFP) can provide tailored advice. A CFP can help optimise your investment strategy, monitor performance, and adjust as needed.

Conclusion
You are on the right path with a disciplined approach to savings and investments. Increasing SIPs, diversifying your portfolio, and regular monitoring will help you achieve your goal of financial freedom by 38. Keep up the good work and stay committed to your plan.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Ramalingam Kalirajan  |9255 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 16, 2024

Asked by Anonymous - Aug 16, 2024Hindi
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age 48, Pvt Job with Rs. 1.85 Lac take home. 8 Lac in MF, 35 Lac in FD. Almost 1.29 Cr. in Bank. 22 Lac in PF. Need safe financial planning along with growth in Finance.
Ans: You're currently earning Rs 1.85 lakh per month, with a stable income. Your assets include Rs 8 lakh in mutual funds, Rs 35 lakh in fixed deposits, Rs 1.29 crore in bank savings, and Rs 22 lakh in provident fund. This is a commendable position, and you've done well in saving and growing your wealth. However, balancing safety and growth requires careful planning. Let’s explore your options in detail.

Building a Safe and Growth-Oriented Financial Plan
Diversification for Stability and Growth
Your financial portfolio is heavily weighted toward safe instruments like fixed deposits and savings accounts. While these provide security, they might not yield high returns. Diversification is key to balancing safety with growth. You should consider redistributing some of your funds into instruments that offer better returns without compromising too much on security.

Mutual Funds: With Rs 8 lakh already invested in mutual funds, consider increasing your exposure. Actively managed funds can offer higher returns compared to index funds, which often mirror the market and may not outperform it significantly. Actively managed funds are tailored to beat the market, and with a Certified Financial Planner's guidance, you can select funds that align with your risk profile and financial goals. A professional can also help you understand market trends and make informed decisions.

Fixed Deposits: Rs 35 lakh in FDs is a solid choice for safety. However, the returns might be lower than inflation, which could erode your purchasing power over time. Consider moving a portion of this to hybrid funds, which blend equity and debt to offer balanced returns with relatively lower risk compared to pure equity funds.

Savings Account: Your Rs 1.29 crore in savings is an excellent cushion, but the returns are minimal. It's advisable to keep a significant amount in liquid funds instead. These offer better returns than a savings account while maintaining liquidity for emergencies.

Leveraging Provident Fund for Long-Term Security
Your Rs 22 lakh in Provident Fund (PF) is a strong long-term investment. The PF provides assured returns and tax benefits, making it an essential part of your retirement planning. Continue contributing to your PF, and avoid withdrawing from it unless absolutely necessary. The compound interest will significantly enhance your retirement corpus.

Safe Investments with Growth Potential
Safety is your priority, but it's crucial to invest in avenues that can outpace inflation. Let’s look at options that balance safety with growth.

Debt Mutual Funds: These are a safer option than equity funds and can provide better returns than fixed deposits. Debt funds invest in government securities, corporate bonds, and other fixed-income instruments. They are ideal for conservative investors who seek stability along with slightly higher returns than traditional savings instruments.

Balanced or Hybrid Funds: These funds invest in both equity and debt, offering a balanced approach. They are less volatile than pure equity funds but offer better growth potential than debt funds. Hybrid funds can be an excellent addition to your portfolio, providing a mix of safety and growth.

Insurance and Risk Management
Adequate insurance is a cornerstone of a safe financial plan. It’s essential to review your current insurance policies to ensure they meet your needs.

Life Insurance: If you have any investment-cum-insurance policies like ULIPs or endowment plans, consider surrendering them. These often come with high costs and lower returns compared to mutual funds. Instead, invest in pure term insurance, which provides higher coverage at a lower cost. The saved premium can be redirected into mutual funds for better returns.

Health Insurance: Ensure you have comprehensive health coverage that covers hospitalization, critical illness, and other medical expenses. The right health insurance can protect your savings from being depleted in case of medical emergencies.

Emergency Fund Management
Your Rs 1.29 crore in bank savings acts as an emergency fund, which is excellent. However, keeping all of it in a savings account isn’t necessary. Instead, consider keeping 6-12 months' worth of expenses in a liquid fund. This fund provides easy access to your money while offering better returns than a savings account.

Retirement Planning
At 48 years old, retirement planning should be a priority. You should aim to build a retirement corpus that ensures a comfortable life post-retirement.

Provident Fund and PPF: Continue your contributions to these as they provide safe, tax-efficient returns over the long term. These should form the backbone of your retirement corpus.

Equity Mutual Funds: For long-term growth, consider increasing your investment in equity mutual funds. The power of compounding in equity investments can significantly enhance your retirement savings over the next few years. However, given your preference for safety, choose funds with a lower risk profile or consider hybrid funds.

Systematic Withdrawal Plans (SWP): Post-retirement, you can opt for SWPs from your mutual fund investments. This allows you to withdraw a fixed amount regularly, similar to a pension, while the remaining corpus continues to earn returns.

Tax Efficiency and Financial Planning
Efficient tax planning can increase your net income and savings. Here are a few strategies to consider:

Tax-Saving Instruments: Maximize your investments in tax-saving instruments like ELSS funds, PPF, and NSC. These not only help reduce your taxable income but also contribute to your overall financial growth. ELSS funds, being equity-linked, offer the dual benefit of tax savings under Section 80C and potential long-term growth.

Diversification Across Tax-Friendly Investments: Diversifying your portfolio into tax-friendly instruments like tax-free bonds or certain government schemes can provide a mix of safety, tax efficiency, and moderate growth.

Reviewing and Adjusting Your Financial Plan
A successful financial plan is dynamic and adapts to changing circumstances. Regularly review your investments and make adjustments as needed.

Annual Review: Conduct an annual review of your financial plan with a Certified Financial Planner. This helps in assessing the performance of your investments and making necessary adjustments based on market conditions and life changes.

Rebalancing Your Portfolio: As you approach retirement, gradually shift your portfolio towards safer instruments. This reduces risk and protects your accumulated wealth.

Estate Planning
While it's essential to grow your wealth, it's equally important to plan for its distribution. Ensure you have a comprehensive estate plan in place.

Will and Nomination: Draft a will and keep it updated. Ensure all your investments have appropriate nominations to avoid legal hassles for your heirs.

Trusts: If you have significant assets, consider setting up a trust. This helps in efficient wealth transfer and ensures that your assets are managed according to your wishes.

Final Insights
Your financial foundation is strong, but there’s room for growth. By diversifying your investments, focusing on tax efficiency, and planning for retirement, you can achieve both safety and growth. A Certified Financial Planner can guide you through this process, ensuring your financial future is secure and prosperous.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9255 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 21, 2025

Asked by Anonymous - Jun 11, 2025Hindi
Money
Hi everyone, Currently, I am 41 years old and my current monthly take home is 140000/-. My monthly expenses is 40K. Following are my investment & asset details: Real Estate: I own a flat which worth 45 lakhs and a land which worth 12 lakhs. I don't have any debt. Mutual fund monthly SIP (Current valuation 21 lakhs): 1. AXIS ELSS Tax saver fund Direct Growth: 3000/- 2. Mirae Asset Large & Mid cap fund Direct Growth: 3500/- 3. SBI Bluechip Fund Direct Growth: 3000/- 4. SBI Equity Hybrid Fund Direct Growth: 3000/- 5. SBI Nifty Index Fund Direct Growth: 6500/- 6. Axis Small Cap Fund Direct Growth: 3000/- 7. Parag Parekh Flexi Cap Fund Direct Growth: 5000/- I also invest 9000/- in NPS every month & current valuation 4.27 lakhs. Government schemes per month (Current valuation 19 lakhs): 1. VPF: 23000/- 2. Sukanya Samriddhi Yojana: 3000/- 3. PPF: 2000/- Apart from these I also invest in stocks and have invested 15 lakhs. I kept my emergency fund of 4 lakhs in FD. I want to achieve financial freedom in next 10 years. Please suggest me how can I achieve that.
Ans: You're 41 and targeting financial freedom by 51.
You have a clear goal and solid commitment. That itself is a strong foundation.

Let us break this down in a professional and simplified way.
We'll go step-by-step from income, expenses, assets, risks, and future strategy.

This will be a 360-degree evaluation, just like how a Certified Financial Planner would analyse.

Understanding Your Current Financial Snapshot
Here’s what stands out clearly from your current status:

Age: 41 years

Monthly take-home income: Rs. 1,40,000

Monthly expenses: Rs. 40,000

Monthly surplus: Rs. 1,00,000

No loans or EMIs – a very positive sign

Let’s now evaluate asset class by asset class.

Real Estate Holdings
You own:

One flat worth Rs. 45 lakhs

Land worth Rs. 12 lakhs

These are fixed assets.
But not ideal for financial freedom goal.

Because:

They are illiquid.

No monthly cash flow.

Cannot be used for step-by-step withdrawals.

No growth control or visibility.

Can’t help with inflation-beating income later.

Hence, consider them as reserve wealth, not active retirement capital.
Avoid investing further in property.

Let them stay. But don’t count them for financial freedom.

Mutual Fund Investments – SIP and Valuation
Your SIP is strong. You invest around Rs. 30,000 monthly.
That’s a disciplined move. Let us analyse each part:

SIP holdings:

Axis ELSS – locked for 3 years. Good for tax-saving.

Mirae Large & Mid Cap – growth-oriented.

SBI Bluechip – large cap. Steady and safer.

SBI Equity Hybrid – balanced risk.

SBI Nifty Index – passive. Needs discussion.

Axis Small Cap – high risk.

Parag Flexi Cap – good mix strategy.

Issues to address:

You are using direct plans.

You are using an index fund.

Let’s address both separately.

Disadvantages of Direct Mutual Funds
Direct funds may seem cost-saving.
But they lack expert support and discipline.
You risk:

Choosing the wrong scheme.

Overreacting during market dips.

No professional handholding in volatile periods.

Missing goal-alignment reviews.

No behavioural coaching.

Your retirement is too precious for do-it-yourself risks.

Instead, use regular funds through a Certified Financial Planner.
They bring long-term accountability and emotional protection.

They also track goal alignment, rebalance portfolio, and optimise tax strategy.

Disadvantages of Index Funds
Your current SIP has Rs. 6,500 in an index fund.
Index funds blindly copy the market.
They don't aim for beating it.

What goes wrong in index funds:

No downside protection during market crash

No active call on sector changes

Can’t shift weightage during slowdown

Just follows, never leads

Misses fund manager intelligence

You are aiming for financial freedom.
That needs extra performance, not average returns.

Actively managed funds:

Try to beat the index

Bring intelligent stock selection

Exit poor-performing sectors

Handle volatility better

Fit long-term retirement goals well

Please exit index fund slowly and switch to good active funds.

NPS Investment
You invest Rs. 9,000 per month in NPS.
Value is Rs. 4.27 lakhs.

Useful for tax-saving.
But it comes with lock-in till 60.
Also, withdrawal rules are rigid.
Not ideal for flexible financial freedom at 51.

You can continue it for tax benefit.
But don’t over-allocate here.
Keep it under 10% of your investment.

Government Scheme Contributions
These are very safe and consistent. You invest in:

VPF – Rs. 23,000 per month

PPF – Rs. 2,000 per month

Sukanya Samriddhi – Rs. 3,000 per month

Together they offer strong fixed-income base.
Current value is Rs. 19 lakhs.

These are long-term, low-risk buckets.
But not inflation-beating for long horizon.
Use them for:

Daughter’s education

Emergency backup

Steady safety net

But don’t expect wealth acceleration from them.

Stock Investments
You have Rs. 15 lakhs in direct stocks.

Well done if you're tracking them regularly.
But stock portfolio carries:

High emotional risk

High volatility

No guaranteed returns

No fund manager cushion

Direct stock investing works if done with research and time.
Otherwise, route through actively managed equity mutual funds.
That ensures discipline and diversification.

Please don’t increase stock holding further.
Let a Certified Financial Planner assess your current stock basket.

Remove overlapping and underperforming stocks.

Emergency Fund
You have Rs. 4 lakhs in FD.
That’s a good move.
Ensure it covers at least 6 months’ worth of:

Household expenses

SIPs

Premiums

School fees

You’ve done this part well.

Monthly Savings Potential
Your expenses are Rs. 40,000
You save Rs. 1,00,000 every month

Out of this, nearly Rs. 70,000 already goes to:

SIP: Rs. 30,000

VPF: Rs. 23,000

PPF + SSY + NPS: Rs. 14,000

You still have Rs. 30,000 free monthly.
This gives you extra flexibility.

Use this Rs. 30,000 to create a freedom fund.
Channel this into growth-oriented mutual funds.

How to Plan for Financial Freedom in 10 Years
Here is a focused action plan:

Aim to build a corpus that gives monthly passive income

Target Rs. 1.5 to 2 crore by 51

Invest extra Rs. 30K monthly towards this

Stop investing more in real estate

Exit index funds and direct mutual funds

Reduce direct stock exposure gradually

Convert lump sums to STP mode for equity

Allocate 60–70% into equity, 30–40% into hybrid or balanced

At 50, reduce equity to 40%, increase debt and hybrid funds

Don’t withdraw in panic during market correction

Let Certified Financial Planner guide each step

You must focus on cash-flow-producing investments.
Not just asset-rich but income-poor model.

Corpus Withdrawal Plan Post Age 51
After you turn 51:

Start Systematic Withdrawal Plan (SWP)

Use 5–6% per year as withdrawal rate

This maintains fund longevity

Use hybrid funds to get stable returns

Keep 2 years’ expenses in ultra-short debt funds

Review fund health every year with CFP

This allows freedom without fear.
It builds passive monthly income in retirement.

Review Your Portfolio Regularly
Don’t invest and forget.
Review your holdings every 6 months.
Check:

Are goals on track?

Are funds underperforming?

Is risk tolerance changing?

Do allocations need rebalancing?

A Certified Financial Planner brings structure to this review.

Insurance Cover Check
You haven’t mentioned term or health insurance.
Please ensure:

At least 10–15 times of income as term cover

Family floater medical insurance of Rs. 10–25 lakhs

Disability cover if possible

Financial freedom also needs risk coverage.
It protects your family and your investments.

Finally
You are on the right path.
You have:

Strong savings habits

Good fund base

No loans

Family focus

Clarity of goal

Now fine-tune things:

Exit direct and index funds

Use regular funds with CFP support

Control direct equity exposure

Add Rs. 30K monthly to freedom fund

Review your plan yearly

By 51, you can achieve freedom.
Not just by corpus. But by cash flow, safety, and clarity.

Your future self will thank you.

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

..Read more

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Asked by Anonymous - Jun 28, 2025Hindi
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With 97.14 in MHCET2025 gen category F candidate, what are the chances of getting CSE in good colleges in pune. We have already secured admission at VIT Chennai CSE DS.
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Recommendation: Accept VIT Chennai CSE Data Science as it offers superior placement consistency and established recruiting partnerships; simultaneously target MIT-WPU Pune, AISSMS Pune, and Ramrao Adik Navi Mumbai for accessible CSE options with solid career prospects in Maharashtra's IT ecosystem. All the BEST for the Admission & a Prosperous Future!

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Career Counsellor - Answered on Jun 28, 2025

Career
Hi sir , my son got Btech cse AIML 3rd catogery AP, Btech electronic vlsi & technology SRM KTR , Nitte meenakshi Bangalore information tech. WHICH one to choose.
Ans: Soundarajan Sir, VIT AP’s BTech CSE (AIML, 3rd category) offers a curriculum focused on artificial intelligence and machine learning, with solid placement rates and recruiters like Google and Amazon, but average packages are moderate compared to top-tier campuses. SRM KTR’s BTech Electronics Engineering (VLSI Design & Technology) is NAAC A++ accredited, ranked #13 in NIRF 2024, and features strong placement outcomes with core companies like Samsung, Qualcomm, Intel, and IBM, making it a top choice for students interested in electronics and semiconductor industries. Nitte Meenakshi Institute of Technology (NMIT) Bangalore’s Information Technology branch boasts a 94.3% placement rate in 2025, with over 192 recruiters, including Dell, Amazon, Infosys, Cognizant, and Adobe, and an average package of ?6.06 LPA, reflecting robust industry engagement and consistent placement support. All three institutions offer modern infrastructure and active placement cells, but SRM KTR stands out for its national ranking, industry partnerships, and placement diversity, especially for electronics and VLSI roles, while NMIT Bangalore is particularly strong for IT placements in the Bengaluru tech ecosystem.

Recommendation: Choose SRM KTR Electronics (VLSI & Technology) for its top-tier ranking, core industry placements, and future-ready curriculum; opt for NMIT Bangalore IT if you prioritize high placement rates and Bengaluru’s tech scene; select VIT AP CSE (AIML) for a focused AI/ML path if that is your son’s clear passion. All the BEST for the Admission & a Prosperous Future!

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Career Counsellor - Answered on Jun 28, 2025

Asked by Anonymous - Jun 28, 2025Hindi
Career
I got 95.18 %tile in mhtcet 2025 I am a girl from home state Maharashtra and an OBC candidate. Will i get ICT MUMBAI. If not then which college will be the best option to consider?
Ans: ICT Mumbai’s B.Tech specialisations—Chemical Engineering (OBC last round cutoff 98.19 percentile), Food Engineering (97.67 percentile), Polymer Engineering (97.72 percentile), Surface Coating Technology (95.50 percentile) and allied branches—close at or above the high 95s for OBC-Home State candidates, making admission unlikely with a 95.18 percentile in MHT CET. Alternatives within Maharashtra offering strong engineering programmes and accessible at your percentile include: Ramrao Adik Institute of Technology, Navi Mumbai (CSE cutoff 95.07 percentile); AISSMS Institute of Information Technology, Pune (CSE cutoff 94.91 percentile); Government College of Engineering & Research, Avasari Khurd (CSE cutoff 95.06 percentile); D.Y. Patil Institute of Technology, Pune (IT cutoff 94.98 percentile); Walchand Institute of Technology, Solapur (CSE GOPENS 90.02–90.59 percentile); Don Bosco Institute of Technology, Mumbai (CSE cutoff ~95.85 percentile); and Terna Engineering College, Nerul (CSE GOPENS ~94 percentile). Recommendation: Focus on Ramrao Adik Institute for its brand and consistent CSE placements, then AISSMS and GCOER Avasari Khurd for comparable cutoffs and robust industry ties; keep DY Patil Pune, Walchand Solapur and Don Bosco Mumbai as strong backups. All the BEST for the Admission & a Prosperous Future!

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