I am a government employee earning Rs 80,000 per month. I want to invest for passive income growth. I am 28 and married with one child currently. I want to retire early with no burden of money.

Ans: Hello;

I would recommend you to avoid thematic fund and instead invest in a flexicap type mutual fund for 15 year horizon.

But make sure to step up your monthly sip for example say by 10% each year to enhance the possibility of building a decent corpus.

Best wishes;

Ans: Dairy products like milk, curds, cheese and paneer provide calcium. Green veggies esp leafy vegetables are a good source of iron and vitamins. Whole pulses like beans, soyabean, chana, moong provide protein

Ans: Hi,
The condition of the current generation is quite alarming. Many students are not paying attention to their own data when they need to submit it. The NTA has provided more than two weeks to fill out the form, allowing students to save their progress and submit it whenever they choose. They are not required to complete the form immediately.

Despite this, students often ignore the dress code and reporting times, arriving late to the examination centers. This behavior creates unnecessary problems. Interestingly, these same students seem to have no issue spending time and money to watch movies but neglect their responsibilities regarding their future. This attitude is concerning.

If this trend continues, securing a job in the near future will be very difficult. Therefore, it's essential to take care while filling out the form.
I think you may have appeared for the NEET 2025 exam. Since you did not fill out the form properly and did not utilize the correction window, you might have faced some issues. Please share your experience so that others can understand the difficulties encountered on the exam date. This will serve as a valuable lesson for others. Do respond.

BEST WISHES.
POOCHO. LIFE CHANGE KARO.

Ans: It's commendable that you're considering the best investment route for your Rs. 1 crore savings. Let's evaluate the options you've mentioned and explore a comprehensive approach to wealth creation.

Understanding Your Investment Options
1. Investing in the Additional Flat

Illiquidity Concerns: Real estate investments are typically illiquid. Selling a property can take time and may not fetch the expected price.

Maintenance and Other Costs: Owning an additional flat comes with recurring expenses like maintenance charges, property taxes, and potential renovation costs.

Market Volatility: Property prices can fluctuate based on various factors, including economic conditions and government policies.

Rental Income Uncertainty: If you're considering renting out the flat, rental yields in many Indian cities are relatively low compared to the property's value.

2. Keeping the Amount in Fixed Deposits (FDs)

Low Returns: FDs offer fixed returns, but these may not outpace inflation, leading to a decrease in real purchasing power over time.

Tax Implications: Interest earned from FDs is taxable as per your income slab, which can further reduce the net returns.

Lack of Flexibility: Premature withdrawal from FDs can attract penalties, limiting liquidity.

Exploring Mutual Funds as an Alternative
Given that you're new to mutual funds and SIPs, it's essential to understand their potential benefits:

Professional Management: Mutual funds are managed by experienced fund managers who make investment decisions based on thorough research.

Diversification: By investing in a mutual fund, your money is spread across various assets, reducing risk.

Liquidity: Most mutual funds offer high liquidity, allowing you to redeem your investment when needed.

Potential for Higher Returns: Historically, mutual funds, especially equity-oriented ones, have offered higher returns over the long term compared to traditional instruments like FDs.

Tax Efficiency: Mutual funds can be more tax-efficient, especially with the benefits available under certain sections of the Income Tax Act.

Recommended Approach
Considering your current situation and the pros and cons of each investment option:

Avoid Investing in the Additional Flat: Given the illiquidity, associated costs, and potential market volatility, investing in another property may not be the most efficient use of your funds.

Limit Exposure to FDs: While FDs offer safety, the returns may not be sufficient to meet long-term financial goals, especially after accounting for inflation and taxes.

Consider Mutual Funds for Wealth Creation:

Start with a Lump Sum Investment: Allocate a portion of your Rs. 1 crore savings into mutual funds, focusing on a mix of equity and debt funds based on your risk appetite.

Initiate SIPs: Set up Systematic Investment Plans to invest a fixed amount regularly, benefiting from rupee cost averaging and disciplined investing.

Consult a Certified Financial Planner: Given your unfamiliarity with mutual funds, seeking guidance from a certified professional can help tailor an investment strategy aligned with your financial goals.

Final Insights
Your initiative to seek advice before making a significant investment decision is commendable. By steering clear of additional real estate investments and limiting exposure to low-yield instruments like FDs, you can explore avenues like mutual funds that offer the potential for higher returns and greater flexibility. Engaging with a certified financial planner can further ensure that your investment strategy is well-aligned with your long-term financial objectives.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

Ans: Since you're appearing for improvement in July, your eligibility can’t be fully confirmed during early JoSAA rounds in June.Register for JoSAA counselling anyway.

Upload your existing Class 12 marksheet (with 72%) – mention that you’re appearing for improvement.

Prepare a self-declaration (mentioning you’re appearing for improvement in July 2025 to meet eligibility).

During document verification or admission reporting, inform the reporting center about your situation.

Keep proof of your improvement exam registration (application receipt or hall ticket once issued).

Once the improvement result is out, immediately upload/submit the updated mark sheet

Ans: Hi
It totally depends on your career goals and interests. Both the institutions are very good.

Ans: es, you can go for it. NSUT Delhi is generally considered a good option for Mechanical Engineering, especially in comparison to many other NITs. While some might consider it slightly less established than DTU in terms of its mechanical engineering program, NSUT offers a well-regarded curriculum, good placement opportunities, and a strong overall academic environment.

Ans: Sit comfortably and detach from your books and notes for three days. No mobile, no Laptop, no guest. Just stay with yourself for three days and ask yourself whether you want to be doctor/computer engineer/Biotechnology professional/B.Pharm/Mechanical Engineer/ MBA. You will surely get the answer.

Ans: Then let him go for commerce steam in 11th and 12th. After that he can join BCA.