I need a financial planning for my future, age -30, income is fixed 25k/month private job, I live with my parents, marriage planning at 31-32, I have fd 16lalkh, 2lakh mutual fund and 1lakh equity, rental income is 32k, and household expenses is...

I need a financial planning for my future, age -30, income is fixed 25k/month private job, I live with my parents, marriage planning at 31-32, I have fd 16lalkh, 2lakh mutual fund and 1lakh equity, rental income is 32k, and household expenses is about 25k out of which I spend about 12-15k, my father has his own pension medical expenses is covered by company, and now he is planning me to give his 77lakh amount to me to manage as he is getting old. So I need your robust plan and strict plan for my future...

Ans: Appreciate your responsibility and maturity at this early age.

You are 30. Have rental income. Good savings. And a strong support system.

You are also getting Rs. 77 lakhs from your father soon. That’s a huge trust.

Here is a strict, long-term, 360-degree plan designed for your peaceful financial future.

» Clarify Your Key Life Goals
– Marriage planned around age 31–32.
– You are working in private sector with fixed income.
– You will have dependents in future.
– Need goals for:

Marriage

House setup

Retirement

Child education (if any)

Medical safety
– Also, protect your father’s gift responsibly.

» Understand Your Current Financial Position
– Salary: Rs. 25,000 monthly (stable).
– Rental income: Rs. 32,000 monthly (strong base).
– Monthly expenses: Rs. 12,000–15,000 (disciplined).
– FD: Rs. 16 lakhs (safe but low return).
– Mutual Funds: Rs. 2 lakhs (good start).
– Equity: Rs. 1 lakh (high risk).
– Father’s planned gift: Rs. 77 lakhs (needs care).
– No loans, no medical issues, no EMI burden.

» Keep Personal and Gifted Money Separate
– Your FD, MF, and equity are your own assets.
– Rs. 77 lakhs is your father's life savings.
– Treat it with respect and extra caution.
– Use for long-term goals and family safety only.
– Don’t use for luxuries or experiments.

» Create an Emergency Fund First
– Keep Rs. 3 lakhs aside in liquid mutual fund.
– It should cover 12–18 months of expenses.
– This gives peace during job loss or illness.
– Never touch this for investment or marriage.

» Allocate Gifted Rs. 77 Lakhs Cautiously
– Do not invest in full equity.
– Divide into three parts:

Safety

Growth

Liquidity
– Example allocation:

Rs. 25 lakhs in safe hybrid mutual funds.

Rs. 25 lakhs in long-term active equity mutual funds.

Rs. 15 lakhs in short-term debt or FDs.

Rs. 10–12 lakhs can be parked for marriage expenses.

» Avoid Index Funds for Long-Term Growth
– Index funds just copy the market index.
– No protection in falling market.
– Returns are average, not best.
– Actively managed funds give better performance.
– Fund managers change strategy as per market.
– Gives protection and flexibility.

» Don’t Choose Direct Mutual Funds Yourself
– Direct funds may look cheaper.
– But they lack proper advice and risk control.
– You may choose wrong fund or exit early.
– Choose regular funds via MFD with CFP background.
– Expert will handle selection, switch, and rebalancing.
– This avoids emotional mistakes.

» Avoid Real Estate as New Investment Now
– You already get Rs. 32,000 monthly rent.
– Property gives low returns and high maintenance.
– Real estate is not flexible.
– Selling takes time and costs are hidden.
– Better to grow through financial assets.

» Focus More on Mutual Fund Portfolio
– You already started mutual funds.
– Slowly build a Rs. 40–50 lakh portfolio.
– Use mix of:

Large-cap

Mid-cap

Flexi-cap

Aggressive hybrid
– These give both growth and balance.
– Review every 6–12 months with MFD–CFP.

» Keep FD Portion for Safety and Liquidity
– Rs. 16 lakhs in FD already parked.
– You can continue this for short goals.
– Don’t increase FD amount further.
– FD gives poor return.
– Inflation eats away its value over time.
– Use for only parking or marriage expenses.

» Plan Marriage Budget Separately
– Plan a modest and joyful wedding.
– Don’t overspend to impress others.
– Use max Rs. 10–12 lakhs only.
– Fund it through part FD and part gifted amount.
– Avoid taking loan for wedding.

» Avoid ULIP, Endowment or Investment Insurance
– These mix insurance and investment.
– Returns are poor and locking is strict.
– Very high charges also reduce return.
– Use only mutual funds for investment.
– For insurance, buy term policy.

» Buy a Term Life Insurance Plan
– You are single now. But responsibilities will grow.
– After marriage and kids, life cover is must.
– Buy a term plan for Rs. 1–1.5 crore.
– Low cost, high cover.
– Choose till age 60–65.
– Do not buy return-of-premium plan.

» Take Individual Health Insurance Immediately
– Company may not provide lifelong medical support.
– Take personal health cover now.
– Choose Rs. 10–15 lakhs cover.
– Add super top-up if needed later.
– Include wife after marriage.
– Don’t depend only on parents’ company cover.

» Create a Fixed Monthly SIP Habit
– Start SIP of Rs. 25,000 every month.
– This should come from rental income.
– Not from salary portion.
– Let this run for 20–25 years.
– This will help in wealth creation.

» Increase SIP Every Year Gradually
– Increase SIP by 10–15% yearly.
– Match with rental rise and salary hike.
– This improves long-term wealth building.
– Don’t stop SIPs unless emergency arises.
– Let compounding work for you.

» Rental Income Must Be Protected
– Maintain the property well.
– Screen tenants carefully.
– Create proper rental agreement.
– Keep 1–2 months rent as buffer fund.
– Avoid dependency on rent alone in future.

» Use Equity Only for Long-Term Goals
– You hold Rs. 1 lakh in stocks.
– Equity is risky for short term.
– Keep stock portion below 5–10%.
– Slowly shift to equity mutual funds.
– Don’t chase tips or short-term profits.

» Track Spending with a Budget
– Income is Rs. 57,000 (salary + rent).
– Expenses are Rs. 12–15,000.
– Create a written budget.
– Allocate income into:

Needs

Investments

Emergency

Marriage
– This will reduce wasteful spending.

» Avoid Lifestyle Inflation and Debt
– Don’t upgrade lifestyle just because income is more.
– Avoid credit card loans and EMIs.
– Stay debt-free as long as possible.
– Peace of mind is more valuable.
– Focus on simple, disciplined lifestyle.

» Think About Retirement Planning Early
– You are 30 now.
– Retirement may come around age 60.
– You have 30 years to prepare.
– Start SIP now.
– Don’t withdraw from retirement funds early.

» Build Long-Term Corpus for Financial Freedom
– If you invest Rs. 25,000 monthly in MF for 25 years,
– Your retirement can be very secure.
– You may not even need to work after 55.
– Early planning gives big comfort later.
– Use CFP’s help to track and adjust.

» Keep Monitoring Tax on Investments
– LTCG on equity funds above Rs. 1.25 lakh taxed at 12.5%.
– STCG taxed at 20%.
– FD and rent income taxed as per slab.
– Plan redemptions wisely.
– Split income between salary and rent efficiently.
– Invest in growth option, not dividend.

» Share Family Responsibility Slowly
– Your father trusts you with Rs. 77 lakhs.
– Respect his trust.
– Share investment updates with him.
– Keep documents organised.
– Help him in his retirement care.

» Think About Future Family Setup
– After marriage, responsibilities will grow.
– Child planning, wife’s needs, and safety are important.
– Don’t spend all gifts now.
– Save part for your family’s long-term needs.

» Finally
– You are in a strong starting position.
– Rs. 77 lakhs can become Rs. 2–3 crores.
– Follow disciplined, long-term mutual fund investing.
– Keep equity limited and monitored.
– Stay away from direct funds, index funds, and real estate.
– Use Certified Financial Planner and MFD for guidance.

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

Ans: I can help you with your retirement planning.
You have given a very detailed picture of your investments.
You have also shown strong intent to build wealth at 47.
This itself is a big positive start.

Your Current Efforts

– You started late due to obligations.
– That is understandable.
– You still took charge.
– You now invest Rs.33K every month.
– You also invest Rs.1,50,000 a year in PPF.
– You follow discipline.
– You follow consistency.
– These habits matter the most.
– These habits will help your retirement.
– You deserve appreciation for this foundation.

» Your Current Investment Mix

– You invest in various equity funds.
– You also invest in one low duration debt fund.
– You invest across mid cap, large cap, flexi cap, and small cap.
– This gives you some spread.
– You also invest in PPF.
– PPF gives safety.
– PPF gives steady growth.
– This mix creates balance.

– Please note one point.
– You hold direct plans.
– Direct plans look cheaper outside.
– But they are not always helpful for long-term investors.
– Many investors pick wrong funds.
– Many investors track markets wrongly.
– Many investors redeem at wrong times.
– This affects returns more than the saved expense ratio.
– Regular plans through a MFD with CFP support give guidance.
– Regular plans also help you stay on track.
– Behaviour gap is a major cost in direct funds.
– Thus regular plans with CFP support work better for long-term investors.
– They can correct mistakes.
– They can help with asset mix.
– They can help you stay steady during market drops.
– This gives higher final wealth than direct funds in most cases.

» Your Retirement Age Goal

– You plan to retire at 62.
– You are 47 now.
– You have 15 years left.
– Fifteen years is still a strong time line.
– You can allow compounding to work well.
– Your corpus can grow meaningfully by 62.
– You can also improve your savings rate during this time.

» Assessing If Your Current Plan Supports Retirement

– There are many parts to assess.
– You need to look at your saving rate.
– You need to look at your growth rate.
– You need to look at your future lifestyle cost.
– You need to look at inflation.
– You need to look at post-retirement income need.
– You need to see if your present plan matches this.

– Right now, your total yearly investment is:
– Rs.33K per month in SIP.
– That is Rs.3,96,000 per year.
– Plus Rs.1,50,000 in PPF each year.
– So your total yearly investment is Rs.5,46,000.
– This is a good number.
– This can help your retirement journey.

» Understanding Equity Funds in Your Mix

– You invest in mid cap.
– Mid cap can give good growth.
– Mid cap also carries higher swings.
– You invest in small cap.
– Small cap is the most volatile.
– It can give high returns if held for long.
– But it needs patience.
– You invest in large cap exposure.
– Large cap gives stability.
– You invest in flexi cap.
– Flexi cap funds adjust strategy.
– Flexi cap funds give managers more control.
– Active management is useful in Indian markets.
– Fund managers can shift between market caps.
– They can pick good sectors.
– This improves return potential.
– This is a benefit that index funds do not have.
– Index funds just copy the index.
– Index funds do not avoid weak companies.
– Index funds cannot take smart calls.
– Index funds also rise in cost whenever the index churns.
– Active funds can protect downside.
– Active funds can find better opportunities.
– This is helpful for long-term wealth building.
– So your move towards active funds is fine.

» Understanding PPF in Your Mix

– Your PPF adds stability.
– It gives assured growth.
– It also gives tax benefits.
– It builds a stable part of your retirement base.
– It reduces overall risk in your portfolio.
– It works well over long years.
– You have also chosen a steady long-term asset.
– This is beneficial for retirement.

» Gaps That Need Attention

– Your funds are scattered.
– You hold too many schemes.
– Each additional scheme overlaps with others.
– This reduces impact.
– It also becomes hard to track.
– You can reduce your scheme count.
– A more focused mix can give smoother progress.
– Rebalancing becomes easier.
– You can keep fewer funds but maintain asset spread.
– You can also map each fund to a purpose.

– You also need clarity about your retirement income need.
– Many investors skip this.
– You must know how much money you need per month at 62.
– You must add inflation.
– You must add health needs.
– You must also add lifestyle goals.

» Your Future Lifestyle Cost

– Your cost will rise with inflation.
– Inflation affects food, transport, medical needs.
– Medical inflation is higher than normal inflation.
– Retirement planning must consider this.
– You also need to consider family responsibilities.
– You must consider emergencies.
– You must also consider rising cost of daily life.
– This helps estimate the required retirement corpus.

» Your Future Corpus From Current Savings

– Without giving strict numbers, you can expect growth.
– You invest steadily.
– You invest for 15 years.
– Your equity portion can grow better over long time.
– Your PPF gives predictable growth.
– Your mix can create a decent retirement base.
– But you will need to increase your SIP over time.
– You can raise your SIP by 5% to 10% each year.
– Even small increases help.
– This builds a stronger corpus.
– Your final retirement amount becomes much higher.

» Need for Periodic Review

– Markets change.
– Life situations change.
– Your goals may shift.
– Your income may rise.
– Your responsibilities may change.
– Review every year.
– Adjust as needed.
– A Certified Financial Planner can help.
– This gives clarity.
– This gives structure.
– This gives confidence.
– You can reduce mistakes.
– You can follow proper asset allocation.

» Asset Allocation Approach for Smooth Growth

– You must decide your ideal equity percentage.
– You must decide your ideal debt percentage.
– If you take too much equity, risk increases.
– If you take too little equity, growth reduces.
– You must keep balance.
– It must match your risk comfort.
– It must support your retirement goal.
– Right allocation brings discipline.
– Rebalancing once a year helps.
– Rebalancing controls emotion.
– Rebalancing increases long-term returns.
– Rebalancing keeps your portfolio healthy.

» Importance of Staying Invested During Market Swings

– Markets move up and down.
– Swings are normal.
– Equity grows over long time.
– Equity needs patience.
– People often fear drops.
– They exit at wrong time.
– This hurts long-term wealth.
– You must stay steady.
– You must trust your long-term plan.
– You must follow guidance.
– This improves retirement success.

» Avoiding Common Mistakes

– Many investors pick funds based on recent returns.
– This is risky.
– Fund selection needs deeper view.
– Fund must match your risk.
– Fund must match your time horizon.
– Fund must have consistent process.
– Fund must show reliable pattern.
– Avoid sudden changes.
– Avoid chasing trends.
– Stay with a disciplined plan.
– This ensures better results.

– You must avoid mixing too many categories.
– Focused mix works better.
– Smaller set makes control easy.
– This reduces confusion.

– Do not rely on direct funds for long-term goals.
– Direct funds lack guided support.
– Behavioral mistakes cost more than the lower expense ratio.
– Regular plans help you stay invested.
– They help avoid panic.
– They help during reviews.
– They help create proper asset allocation.
– They help you use the fund in the right way.
– Investment discipline is more important than low cost.
– Regular plans with CFP support deliver this discipline.

» Inflation Protection Through Growth Assets

– Equity protects from inflation.
– PPF adds safety.
– Balanced mix protects your purchasing power.
– Retirement needs this balance.
– Long-term equity portion helps create a healthy corpus.
– This allows you to meet rising living cost.

» How to Strengthen Your Retirement Plan From Now

– Increase SIP every year.
– Even slight hikes help.
– Be consistent.
– Avoid stopping during market drops.
– Do a yearly check-up.
– Reduce scheme count.
– Keep a clear structure.
– Assign each fund a purpose.
– Build an emergency fund.
– This will protect your SIP flow.
– Continue PPF.
– It gives stability.
– It protects your long-term needs.

» Possibility of Sustaining Life After Retirement

– Yes, you can sustain.
– But it depends on three things:
– Your future living cost.
– Your total corpus at retirement.
– Your discipline during retirement.

– If you continue your present saving, your base will grow.
– If you raise your SIP each year, your base will grow faster.
– If you keep a proper asset mix, your base will grow safely.
– If you avoid emotional mistakes, your base will stay strong.
– If you review yearly, your plan will stay on track.

– So sustaining life after retirement is possible.
– You just need stronger structure.
– You also need steady guidance.
– This ensures confidence.

» Retirement Income Planning After Age 62

– Your retirement income must come from a mix.
– Part from equity.
– Part from debt.
– Part from stable instruments.
– Do not depend on one source.
– Plan your withdrawal pattern.
– Take small and stable withdrawals.
– Keep some equity even after retirement.
– This helps your corpus last longer.
– Do not shift everything to debt at retirement.
– That reduces growth too much.
– Balanced approach keeps your money alive.
– This supports your life for long years.

» Health and Emergency Preparedness

– Health costs rise fast.
– You must plan for it.
– Keep health insurance active.
– Keep top-up if needed.
– Keep separate emergency money.
– Do not depend on your investments during emergencies.
– Emergency fund protects your retirement portfolio.
– This keeps compounding intact.
– You can handle shocks with ease.

» Tax Awareness

– Be aware of mutual fund tax rules.
– Equity long-term gains above Rs.1.25 lakh per year are taxed at 12.5%.
– Equity short-term gains are taxed at 20%.
– Debt funds are taxed as per your slab.
– Plan redemptions wisely.
– Do not redeem often.
– Keep long-term horizon.
– This reduces tax impact.
– This helps wealth building.

» Summary of Your Retirement Possibility

– You have a good start.
– You have a workable time frame.
– You have a steady contribution.
– You must refine your portfolio.
– You must increase SIP yearly.
– You must reduce scheme count.
– You must follow asset allocation.
– You must stay disciplined.
– You must get yearly review from a CFP.
– If you follow these, you can reach a healthy retirement base.

» Final Insights

– You are on the right path.
– You have taken the key step by starting.
– You can still create a strong retirement corpus even at 47.
– Fifteen years is enough if you stay consistent.
– Your mix of equity and PPF is good.
– With discipline and structure, your future can stay secure.
– With yearly guidance, you can avoid mistakes.
– With increased SIP, you can boost your corpus.
– You can aim for a peaceful and confident retirement at 62.

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

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

Ans: You have started early in 2024, and you already built Rs 2.30 lakhs. This shows discipline. This shows patience. This gives you a good base for your future wealth.

Your XIRR looks low now. This is normal. You started only a few months back. SIPs show low return in the start. Markets move up and down. Early numbers look flat. They look small. They look discouraging. But they improve with time. They improve with longer SIP flow. So please stay calm. The start is always slow. The finish is always strong.

Your effort is strong. Your SIP list is wide. Your savings habit is good. You started at 43 years, but you still have good time to grow your wealth. Every disciplined month builds confidence. Your choices show that you want growth. You want stability. You want balance. This is a good sign.

» Current Portfolio Snapshot
You invest in many groups.

– You invest in Nifty 50.
– You invest in Nifty Next 50.
– You invest in a large cap fund.
– You invest in a midcap fund.
– You invest in a flexicap fund.
– You invest in a small cap fund.
– You invest in gold.
– You invest in a debt fund.
– You put lumpsum in a midcap and small cap fund.

This looks wide. But wide does not mean effective. You hold too many funds in similar areas. That gives duplication. That reduces clarity. That reduces control. You need sharper structure. You need cleaner lines.

» Why Your XIRR Is Low
Your XIRR is only 3.11%. This is normal. Here is why.

– SIP started in June 2024. Very new.
– SIP amount spread across many funds.
– Market volatility in 2024 made early returns look low.
– SIP returns always look weak in early days. They grow with time.

Low short-term return is not a sign of failure. It is not a sign to stop. It is only a sign of market timing. SIP is for long periods. Not for few months.

» Problem of Index Funds in Your Portfolio
You invest in Nifty 50 and Nifty Next 50. Both are index funds. Index funds follow a fixed rule. They copy the index. They do not use research. They do not use fund manager skill. They do not adjust during bad markets. They do not protect much in down cycles. They lock you into index ups and downs.

In India, active fund managers add value. They find better stocks. They exit weak stocks faster. They manage risk better. They use research teams. They use market cycles well. They often beat index returns over long periods.

Index funds look simple. But they lack decision power. They lack flexibility. They lack protection. They give average results. They track the market exactly. They cannot outperform it.

So index funds are not the best choice for your long-term goal. Active funds give more control and more upside over long years.

» Problem of Too Many Funds
You hold too many funds across the same categories. This creates overlap. Two different schemes may hold same stocks. You think you diversify. But you repeat exposure. This weakens your plan.

Too many funds also keep your attention scattered. It reduces discipline. You waste time comparing each fund. You feel lost. You feel uncertain.

Better to keep fewer funds but stronger funds.

» Problem of Direct Funds
If any of your funds are in direct plans, please take note. Direct plans look cheaper because they have lower expense ratio. But they do not give guidance. They do not give personalised strategy. They do not give support during market falls. They do not give behavioural guidance.

Many investors make wrong moves in market dips. They stop SIPs. They redeem at the wrong time. They switch funds too often. They chase returns. This reduces wealth.

Regular plans through a Certified Financial Planner keep you disciplined. They give structure. They give long-term guidance. They reduce errors. They reduce behaviour risk. This helps more than small cost savings.

Regular plans also offer better hand-holding for asset mix, review and goal clarity. This adds real value.

» Fund-by-Fund Assessment
Let me now look at each SIP.

Nifty 50 – This is an index fund. It is passive. It is rigid. Active large-cap funds do better in many years. You may stop this over time.

Nifty Next 50 – Another index fund. Very volatile. Very narrow. You may stop this too.

Nippon large cap – This is active. This is fine. It can stay.

HDFC midcap – This is active. Good long-term category. You can keep this.

Parag flexicap – Flexicap is versatile. Useful for long-term. You can keep this.

Tata small cap – Small caps can grow well. But they need patience. They also need limited allocation. You can keep, but maintain control.

Gold SIP – Small gold SIP is okay for safety.

HDFC debt fund – Debt brings stability. Small SIP is fine.

Lumpsum in midcap and small cap – Keep these invested. They will grow with cycles.

The two index funds are the most unnecessary parts of your plan. These can be stopped. These can be replaced with good active funds already in your system.

» Suggested Structure
You need a cleaner layout.

Keep one large cap active fund.

Keep one midcap active fund.

Keep one flexicap fund.

Keep one small cap fund.

Keep one debt fund.

Keep a small gold part.

This is enough. This gives balance. It gives clarity. It gives growth. It avoids overlap. It avoids confusion.

» SIP Continuation Guidance
Here is the simple view.

Continue your large cap SIP.

Continue your midcap SIP.

Continue your flexicap SIP.

Continue your small cap SIP.

Continue gold SIP.

Continue debt SIP in small proportion.

Stop the Nifty 50 SIP.

Stop the Nifty Next 50 SIP.

Move those two SIP amounts into your existing active funds. This gives you better long-term power.

» Behaviour and Patience
Your returns will not show big numbers for now. You need time. You need patience. You need consistency. SIP is not a race. SIP is a habit. SIP grows slowly. Then it grows big.

Do not judge your plan by the first few months. Judge it after many years. That is where SIP wins. That is where compounding works. That is where discipline shines.

» What Matters More Than Fund Names
The biggest cornerstones are:

Your discipline.

Your patience.

Your time in market.

Your stable SIP flow.

Your emotional stability.

These matter more than any fund selection. You are building them well.

» Asset Mix Guidance
Your mix of equity, debt and gold is good. But you should review this once a year. As you move closer to retirement, increase debt slowly. Reduce small cap slowly. This protects you. This stabilises your progress.

A Certified Financial Planner can help align your asset mix to your goals. This adds real value. This gives stronger structure.

» Taxation View
If you redeem equity funds in future, then keep the current rule in mind. Long-term capital gains above Rs 1.25 lakhs per year are taxed at 12.5%. Short-term gains are taxed at 20%. For debt funds, both gains are taxed as per your income slab.

This will matter only when you redeem. For now, your focus should be growth, not selling.

» Your Long-Term Wealth Path
You have good earnings years ahead. You have strong potential for growth. Your SIP habit is strong. You only need to clean your portfolio. You only need better structure. Then your money will grow well.

You can grow a meaningful corpus if you stay steady. You can even increase SIP when income grows. This gives faster results.

» Emotional Balance
Do not check returns every week. Do not check every month. Check once in six months. Check once in twelve months. SIP is a long game. Treat it like a long game.

Your small XIRR today does not decide your future. Your discipline decides it. You already have it.

» Step-by-Step Action Plan

Step 1: Stop Nifty 50 SIP.

Step 2: Stop Nifty Next 50 SIP.

Step 3: Keep all the remaining SIPs.

Step 4: Shift the stopped SIP amount into your existing large cap and flexicap funds.

Step 5: Continue gold and debt in small amounts.

Step 6: Review once a year with a Certified Financial Planner.

Step 7: Increase SIP amount slowly when income grows.

Step 8: Stay invested for long term.

Step 9: Do not judge returns too early.

Step 10: Keep your patience strong.

» Finally
Your foundation is strong. Your habit is disciplined. Your mix only needs refinement. Your returns will grow with time. Your portfolio will gain strength with consistency. Your path is steady. Your plan will reward you if you follow it with calm and clarity.

Best Regards,

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

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