I had some CG LONG TERM LOSS in AY 2020-21, AY 2021-22. By oversight, I could not fill up BFLA schedule
and therefore was unable to set off LTCG of AY 2020-21 & 2021-22 against LTCG in AY 2022-23.

My assessment for AY 2022-23 is also complete.

Can I file for RECTIFICATION of return for AY 2022-23and set off LTCG losses of earlier years? Await your guidance.

Ans: HUL, Nerolac, Trend, Coal India. I did not understand what you mean by tata gold?

Ans: Hello;

You may begin a monthly sip of 2.5 L into a combination of pure equity mutual funds and top it up each year by minimum 22% to achieve 15 Cr target in 10 years, including PPF value of 1.38 Cr after 10 years.

It top up is not possible then the flat monthly sip of 2.5 L will have to continue for 15 years (delaying retirement) to reach the intended corpus of 15 Cr, including PPF value of 1.93 Cr, after 15 years.

The value of your business is not factored into this working.

The current monthly expenses of 75 K will be 1.34 L after 10 years and 1.8 L after 15 years considering inflation of 6%.

But your target corpus is more then enough to generate monthly income (Annuity & SWP Mix)much more than your monthly expenses after 10 or 15 years.

Happy Investing;
X: @mars_invest

Ans: Hello noted
Since you are 36 years and gonna turn 37
Amh is 1.67
And weight 69
So, considering your age and amh being 1.67 one year back, we need to repeat your AMH. Amh is supposed to reduce with age, it means the egg forming capacity of the ovary diminishes with age.
So, you need to focus of conception. At the same time, you can do exercises and dietary changes to reduce your weight
Let both happen hand in hand
And yes, correction of vitamin D, tsh is needed
Have nutritious food, antioxidants, proteins in your diet
Have supplements which help in improving the quality of eggs.

Ans: Hello;

Do you have any rental income from the flats owned by you?

Kindly confirm so as recommend suitably.

Thanks;

Ans: To remain calm even when faced with anger, it's essential to train the mind regularly, not just in the mornings. Here’s a simple way to handle it:

Mindful Breathing: When you feel anger rising, pause and take deep breaths. Slowly inhale for 4 counts, hold for 4, and exhale for 6 counts. This simple practice can calm your mind in moments.

Witness Your Anger: Instead of reacting, observe the anger. Tell yourself, "This is just a passing emotion. I don't need to hold on to it."

Practice Gratitude: Shift your focus to something positive—like a good moment from your day. Gratitude quickly softens anger.

Carry Peace Throughout the Day: After morning meditation, visualize yourself remaining calm no matter what happens. This mental preparation helps when challenges arise.

Remember, meditation and mindfulness need consistent guidance to become effective. A yoga or meditation coach can teach you techniques tailored to your personality and lifestyle. Self-practice is good, but expert guidance ensures you build resilience faster and avoid frustration.

When anger disrupts your peace, see it as a signal to return to your breath and inner calm—each time, you grow stronger.

R. Pushpa, M.Sc (Yoga)
Online Yoga & Meditation Coach
Radiant YogaVibes
https://www.instagram.com/pushpa_radiantyogavibes/

Ans: Sangeetha, Prefer AIMS-Peenya. However, investigate the specializations you intend to pursue and their future prospects. All the BEST for Your Prosperous Future.

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Ans: Yes.

Ans: Hello;

Firstly congrats on your engagement.

There are various affordable housing schemes operated by the central government (PMAY) as well as several state governments(DDA housing scheme, MHADA lottery scheme, TN housing board scheme)as well.

You may seek house through these schemes.

Also you may focus on improving your earnings so that you can generate some savings which may be invested for future needs.

Best wishes;

Ans: Hello;

To generate a corpus of around 50 L in 8 years you have two options:

1. Start with 20 K monthly SIP and step it up each year by 15% upto 8 years.

2. Start with a monthly sip of 31 K which may yield you a corpus of around 50 L after 8 years.

A modest 12% return from equity mutual funds is considered.

Mutual funds will be certainly better then direct stocks from a risk perspective.

You may invest in a flexicap type mutual fund and a large and midcap type mutual fund in the proportion of 50:50 for your investment.

You may select any fund from the top quartile in these categories.

You don't need a demat account.

You will need to do KYC before investing, some investment apps/AMCs offer it to be done online even for NRIs.

Happy Investing;