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46-Year-Old Seeks Investment Advice to Grow Funds for Child's Future and Secure Monthly Income

Ramalingam

Ramalingam Kalirajan  |9857 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 14, 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
Avi Question by Avi on Oct 12, 2024Hindi
Money

Hello, I'm a 46 year old , unable to work anymore, I have no loans, own house,wife is the earning member. My investments are : Running investments: Pension Plan with fund value of 42 lakhs(current fund value) till 2037, Equity Mutual fund with fund value of 12 lakhs( Current fund value). Yearly investment emi of 1.20 lakh Monthly expenditure of 25 k Monthly rental income of 8k NO PPF Bank Balance of 26 lakh. Want to invest 10 -15 lakh to earn a sizeable corpus ( say 1 cr) in next 18 years for my child when he will become an adult, in addition to a 50 k monthly income in next 2-3 years Can you kindly guide me as to what investments I should be doing to achieve this target

Ans: You have provided valuable details about your financial situation. Let’s analyse your current standing and future goals.

Age: 46 years old
Running Investments:
Pension Plan with a current fund value of Rs 42 lakhs (maturing in 2037).
Equity Mutual Fund with a current fund value of Rs 12 lakhs.
Income & Expenditure:
Monthly rental income of Rs 8,000.
Monthly expenditure of Rs 25,000.
Yearly EMI of Rs 1.2 lakh for ongoing investments.
Savings: Bank balance of Rs 26 lakhs.
Investment Goals:
You want to invest Rs 10-15 lakh to build a corpus of Rs 1 crore in 18 years for your child.
You also need a monthly income of Rs 50,000 in the next 2-3 years.
Given these goals, let’s discuss how you can achieve them.

Income Generation for Monthly Needs (Rs 50,000)
To achieve a monthly income of Rs 50,000 in the next 2-3 years, we need to explore investment options that can generate consistent returns.

Rental Income: You already have Rs 8,000 coming in monthly. This helps reduce your income requirement.

Systematic Withdrawal Plan (SWP):

A Systematic Withdrawal Plan from your mutual funds could be useful.
You can park part of your Rs 26 lakh bank balance into a debt-oriented hybrid mutual fund.
These funds provide stability with moderate returns.
You can withdraw monthly amounts through SWP to meet your requirement.
Based on the fund's performance, you can plan to withdraw around Rs 42,000 per month to reach your target of Rs 50,000 (including Rs 8,000 from rent).
This option allows you to use your capital effectively while keeping it invested for moderate growth.

Fixed Income Options:

You may also consider some amount in fixed deposits or high-interest-bearing savings instruments.
However, they are taxed as per your income tax slab, so this may reduce post-tax returns.
Combining these with SWP ensures liquidity and some level of fixed returns.
This way, your immediate income needs can be met, keeping your capital intact.

Investment Plan for Building Rs 1 Crore for Child's Future
You aim to build Rs 1 crore in 18 years for your child. The best way to achieve this is through equity-based investments, as they tend to offer the highest long-term growth.

Equity Mutual Funds:

For long-term goals like 18 years, equity mutual funds are the most suitable.
Your existing equity mutual funds of Rs 12 lakh can continue to grow.
You can also invest Rs 10-15 lakh from your bank balance into diversified equity funds.
Actively managed equity mutual funds generally perform better over a long period compared to passive index funds, which often lack flexibility in changing market conditions.
It’s crucial to focus on mid-cap and small-cap funds as they have higher growth potential over an 18-year period.
Regular vs Direct Funds:

You might have heard about direct mutual funds, which have lower fees.
However, direct plans require deep market understanding and regular monitoring.
Investing through a Certified Financial Planner (CFP) who works with an MFD can help you manage your portfolio professionally, ensuring that your investments are regularly rebalanced to match market changes.
Regular plans, managed by CFPs, provide professional guidance, making them a better choice for individuals who do not want the stress of tracking every detail.
SIP for Consistent Growth:

You can start a SIP (Systematic Investment Plan) of Rs 50,000 monthly.
This amount will steadily build wealth over 18 years.
By investing Rs 50,000 a month in a mix of large-cap, mid-cap, and small-cap funds, you stand a good chance of achieving your target of Rs 1 crore.
A professional MFD working with a CFP can help you select funds based on your risk profile and growth expectations.
Review of Existing Pension Plan
Your pension plan with a current fund value of Rs 42 lakhs is a significant part of your retirement portfolio.

Performance Review:
It is crucial to review the performance of this pension plan periodically.
Ensure that it continues to give reasonable returns, as you have 13 more years until it matures.
Often, these plans have high charges and lower returns compared to equity mutual funds. You should evaluate if it makes sense to continue with this investment or switch to something more productive.
If the returns are lower than expected, you may want to consider redirecting future premiums into better-performing mutual funds.
Tax Implications on Your Investments
Understanding tax liabilities is essential for maximising your returns.

Capital Gains Tax on Mutual Funds:

For equity mutual funds, LTCG (Long-Term Capital Gains) above Rs 1.25 lakh is taxed at 12.5%.
Short-Term Capital Gains (STCG) on equity mutual funds are taxed at 20%.
For debt mutual funds, LTCG and STCG are taxed according to your income tax slab.
You should consult with your CFP to ensure that your withdrawals and investments are done in the most tax-efficient manner.
Tax on Rental Income:

The Rs 8,000 monthly rental income is also taxable.
Ensure you factor this into your annual tax planning.
By optimising tax strategies, you can maximise your returns while keeping your liabilities low.

Contingency and Emergency Fund
While investing for long-term goals, don’t overlook short-term financial safety.

Emergency Fund:
Out of your Rs 26 lakh bank balance, set aside at least Rs 4-5 lakh as an emergency fund.
This will help you manage any unforeseen expenses without disturbing your investments.
Keep this amount in a liquid or short-term debt fund for easy access.
Health Insurance:
Since your wife is the sole earning member now, ensure that you have adequate health insurance coverage.
This will help safeguard your family’s finances in case of medical emergencies.
Revisit Your Financial Plan Regularly
It is essential to track your financial journey.

Review Performance:

Regularly review the performance of your mutual funds and pension plans.
Make adjustments based on market conditions and your changing life circumstances.
Stay on Track with Goals:

Ensure that you are consistently investing towards your Rs 1 crore goal.
Keep in touch with your CFP to monitor if you’re on track, and take corrective actions if required.
By actively managing your investments and reviewing your goals, you can ensure financial security for your family.

Finally
Your situation is unique, and your goals are achievable with a disciplined approach.

By combining equity mutual funds, SWPs, and systematic SIPs, you can grow your wealth and generate regular income. Balancing risk and return is essential to meet your child’s future needs and your immediate income requirements.

Keep your financial plan flexible, review it often, and stay committed to your goals.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
Asked on - Oct 14, 2024 | Answered on Oct 15, 2024
Listen
Thank you for your time and guidance, I have very little knowledge of finance, it would be very helpful if you kindly give .a breakup of amounts that I ought to deploy as per your above given plan. I already have a 30 lakh medical insurance plan running and my wife is covered also .
Ans: Thank you for your detailed message and for trusting me with your financial planning. I truly appreciate your proactive approach towards securing your and your family's future.

I recommend getting in touch with a Certified Financial Planner (CFP) or a Mutual Fund Distributor (MFD) who can tailor a plan based on your specific financial needs. They will guide you on how to allocate your funds effectively for both short-term and long-term goals. This step ensures that your financial strategy is well-aligned with your future aspirations while considering your risk appetite.

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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Ramalingam

Ramalingam Kalirajan  |9857 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 04, 2024

Asked by Anonymous - Jul 04, 2024Hindi
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Hi Sir, I am 35yrs old. Monthly salary around 1.4L, more commitments..Having 4yr old kid, wife is homemaker..having Loans(Credit card 1.5, Personal loan 3) for 4.5L, Not actively into Mutual funds..doing SBI retirement plan monthly 10K, Closed Credit card due of 3.5L with savings exhausted. My family loan dues are there around 8L which needs to be closed urgently and any suggestions to go for PL or OD or any other option sir? Please suggest Need to plan to invest for wealth building and child education(currently 1L per year plan on SSY). Is this sufficient or what can I invest for education needs and wealth building? Request your expertise and kind suggestions.
Ans: You’re managing a lot right now. Your monthly salary of Rs. 1.4 lakhs is solid. You have a 4-year-old child, and your wife is a homemaker. Your current loans include Rs. 1.5 lakhs in credit card debt and Rs. 3 lakhs in personal loans. You also have family loan dues of Rs. 8 lakhs. Recently, you paid off a Rs. 3.5 lakh credit card debt, exhausting your savings. You’re investing Rs. 10,000 monthly in an SBI retirement plan and Rs. 1 lakh per year in SSY for your child’s education. Let’s find the best path forward.

Managing Existing Debts
Prioritise Debt Repayment
Your most urgent financial task is handling your debts. Start with high-interest debts like credit cards. Focus on paying these off first to reduce interest burden. This will free up more money for other financial goals.

Considering Loan Options
For your Rs. 8 lakhs family loan dues, consider a personal loan or overdraft (OD). Both options have pros and cons.

Personal Loan: Fixed interest rate and EMI. Helps in planning your budget. Ensure the interest rate is lower than existing debts.

Overdraft (OD): Flexible repayment, interest only on the amount used. Good for fluctuating cash flow. Interest rates can be higher, so use wisely.

Choose the option that offers the best interest rate and suits your cash flow.

Investing for Wealth Building
Starting with Mutual Funds
Not actively investing in mutual funds? Time to change that. Mutual funds can help grow your wealth over time. They offer diversification, professional management, and potential for high returns. Start with SIPs (Systematic Investment Plans) to invest regularly and reduce market timing risk.

Types of Mutual Funds
Equity Funds: Invest mainly in stocks. High risk, high reward. Suitable for long-term goals like retirement.

Debt Funds: Invest in fixed income securities. Lower risk, stable returns. Good for short-term goals and emergency funds.

Hybrid Funds: Mix of equity and debt. Balanced risk and reward. Suitable for medium-term goals.

Child Education Planning
Current Investment in SSY
Your investment of Rs. 1 lakh per year in SSY (Sukanya Samriddhi Yojana) is a good start. SSY offers attractive interest rates and tax benefits. Keep contributing to it regularly.

Additional Investment Options
Equity Mutual Funds: For long-term education planning. Equity funds can provide higher returns over a long period.

Child Plans: Dedicated plans for child education. Combine insurance and investment. Ensure the policy aligns with your financial goals and offers good returns.

Retirement Planning
Current Retirement Plan
Your Rs. 10,000 monthly contribution to the SBI retirement plan is a positive step. Ensure this plan aligns with your retirement goals and risk tolerance.

Diversifying Retirement Investments
Consider adding mutual funds to your retirement portfolio. Equity funds for growth, and debt funds for stability. A diversified portfolio can help manage risks better.

Building Emergency Fund
Importance of Emergency Fund
An emergency fund is crucial. It helps you manage unexpected expenses without disrupting your financial plans. Aim to save 6-12 months’ worth of expenses in a liquid fund.

Steps to Build Emergency Fund
Start Small: Begin by saving a small portion of your income.

Automate Savings: Set up automatic transfers to your emergency fund.

Use Liquid Funds: Keep your emergency fund in a liquid mutual fund or savings account for easy access.

Insurance Planning
Importance of Insurance
Adequate insurance coverage is essential. It protects your family’s financial future in case of unexpected events.

Types of Insurance
Term Insurance: Pure life cover. Affordable premiums. Ensure coverage is 10-15 times your annual income.

Health Insurance: Covers medical expenses. Choose a comprehensive plan for your family.

Evaluating Financial Goals
Setting Clear Goals
Define your financial goals clearly. Short-term goals (1-3 years), medium-term goals (3-5 years), and long-term goals (5+ years). This will help you allocate investments appropriately.

Regular Review
Review your financial plan regularly. Adjust your investments as needed to stay on track with your goals.

Advantages of Actively Managed Funds
Professional Management
Actively managed funds are handled by professional fund managers. They aim to outperform the market by selecting the best stocks or bonds. This expertise can add value to your portfolio.

Flexibility
Fund managers can quickly adapt to market changes. They can shift investments to take advantage of opportunities or avoid losses.

Potential for Higher Returns
Actively managed funds aim to beat market returns. While not guaranteed, the potential for higher returns exists.

Disadvantages of Index Funds
Limited Flexibility
Index funds simply replicate the market index. They can’t take advantage of market opportunities or avoid downturns.

Potential for Lower Returns
Index funds typically deliver average market returns. They don’t aim to outperform the market.

No Professional Management
Index funds don’t have active fund managers. They follow a passive investment strategy, which may not suit all investors.

Benefits of Investing through a Certified Financial Planner
Personalized Advice
A Certified Financial Planner (CFP) provides personalized advice based on your financial situation and goals. This tailored approach can help you make better investment decisions.

Professional Expertise
CFPs have the expertise to navigate complex financial markets. They can help you build a diversified portfolio and manage risks effectively.

Regular Monitoring
Investing through a CFP ensures regular monitoring of your investments. They can make necessary adjustments to keep your financial plan on track.

Final Insights
You have a strong foundation but need to manage your debts effectively. Prioritize high-interest debt repayment and consider a personal loan or overdraft for family dues. Start investing actively in mutual funds for wealth building and child education. Ensure you have adequate insurance coverage and a solid emergency fund. A Certified Financial Planner can provide personalized advice and help you achieve your financial goals. Regularly review and adjust your financial plan to stay on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Milind

Milind Vadjikar  | Answer  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Sep 14, 2024

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Money
I am 44 years old, married with a monthly salary of 4.5 lakhs after tax. I own a debt-free house. My daughter is 9 and my son is 4. I am looking to build a corpus of 2 crores for my children's education, 1 crore for their marriages, and to buy two additional houses. I also aim to accumulate a retirement corpus of 10 crores. Please advise on how I can achieve these goals in the next 10-15 years. Current Savings: • Fixed Deposit: 16 lakhs • Shares: 72 lakhs • Provident Fund (PF): 1.4 crores • Mutual Funds: 15 lakhs • Public Provident Fund (PPF): 10.5 lakhs • ULIP: 21 lakhs Ongoing Investments: • ULIP: 3 lakhs/year (for the next 3 years) • PPF: 1.5 lakhs/year (for the next 8 years) • Provident Fund (PF): 82,000/month Including company contribution. • Mutual Fund SIP: 60,000/month • Shares SIP: 30,000/month • Additional Shares Investment: 5 lakhs/year
Ans: Your current savings add upto 2.745 Cr.

Assuming you keep them invested and considering composite moderate return of 8% this will grow upto a sum of 8.71 Cr after 15 years.

Ongoing investments will lead you to a corpus of 6.66 Cr after 15 years(Appropriate conservative returns considering the various investment instruments)

6.66+8.71=15.37 Cr

Retirement corpus goal 10 Cr?
Children education fund goal 2Cr?
Children wedding goal 1Cr?
Additional home(2) buy 2Cr?

Keep reviewing and rationalising your stock holdings and hedge it if necessary as per advice from investment advisor.

Consider SSY in the name of your daughter (8.2% currently with quarterly review by GOI)since it's an E-E-E tax exempt scheme.

Do consider suitable family floater health cover apart employer group coverage.

You may follow us on X at @mars_invest for updates

Happy Investing

..Read more

Ramalingam

Ramalingam Kalirajan  |9857 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 29, 2025

Asked by Anonymous - May 22, 2025
Money
I am 31 years old and have a monthly in-hand household wage of 2.70L for myself and my wife. Our child is one year old. We owe 1.11cr in home loan obligations. 8.1% is the interest rate. EMI 82K Montly. (We paid 80K principal and 18L interest over the last two years.) We purchased SBI life insurance for our 3.5L home loan, which covers 50L each for the next 60 years. If someone dies, the money will be repaid to the home loan account. also have property insurance. As of now we have below investments from both. 1. LIC policies for both 2. Monthly 35K in RD's 3. 15K Mutual Funds per month. 4. 12L amount in EPF 5. 2L amount in PPF 6. Our organizations covers our medical insurances including child around 10L each and OP Benifit policy as well. 6. Around 3L in FD as emergency fund. 7. We save about 50k monthly after all expenses and investments. Please help us. Please provide us with a prudent mitigation strategy for my child's future requirements, as well as assistance in reducing our home loan burden. Suggest appropriate investment ideas for accumulating a robust corpus fund of approximately 3 crore over the next 12 years.
Ans: Your proactive approach towards financial planning is commendable. Let's analyze your current financial situation and provide a comprehensive strategy to manage your home loan, plan for your child's future, and achieve your goal of accumulating a corpus of Rs. 3 crore over the next 12 years.

Current Financial Snapshot
Age: 31 years

Monthly Household Income: Rs. 2.70 lakh
Home Loan: Rs. 1.11 crore at 8.1% interest; EMI: Rs. 82,000

Insurance: SBI Life Insurance covering Rs. 50 lakh each for both spouses

Investments:

LIC policies for both

Monthly RDs: Rs. 35,000

Monthly Mutual Funds: Rs. 15,000

EPF: Rs. 12 lakh

PPF: Rs. 2 lakh

Emergency Fund in FD: Rs. 3 lakh

Savings: Approximately Rs. 50,000 monthly after expenses and investments

Home Loan Management
Your current EMI of Rs. 82,000 is manageable given your income. However, to reduce the interest burden:

Prepayment Strategy:

Utilize part of your monthly savings to make periodic prepayments.

Even small prepayments can significantly reduce the loan tenure and interest paid.

Interest Rate Review:

Regularly check for better interest rates and consider refinancing if beneficial.

Insurance Evaluation
SBI Life Insurance:

Ensure that the coverage aligns with your current liabilities and future responsibilities.

LIC Policies:

Review the performance and returns of these policies.

If they are traditional endowment plans with low returns, consider surrendering them.

Reinvest the proceeds into diversified mutual funds for potentially higher returns.

Investment Strategy for Corpus Accumulation
To achieve a corpus of Rs. 3 crore in 12 years:

Monthly Investment Goal:

Aim to invest approximately Rs. 1 lakh monthly.

This can be achieved by reallocating funds from RDs and LIC policies.

Investment Instruments:

Mutual Funds:

Increase SIPs in diversified equity mutual funds.

Focus on actively managed funds for potential higher returns.

PPF:

Continue contributions for tax benefits and stable returns.

EPF:

Maintain contributions as per your employment terms.

Avoid:

Investing in real estate for corpus accumulation.

Index funds, as they may not offer the active management benefits.

Child's Future Planning
Education Fund:

Start a dedicated SIP for your child's education.

Estimate future education costs and plan accordingly.

Marriage Fund:

Initiate a separate investment plan targeting the marriage corpus.

Consider long-term instruments with growth potential.

Emergency Fund
Current Status:

Rs. 3 lakh in FD.

Recommendation:

Aim to build an emergency fund covering 6-12 months of expenses.

Gradually increase the fund using a portion of your monthly savings.

Tax Planning
Utilize Deductions:

Ensure maximum utilization of Section 80C through EPF, PPF, and life insurance premiums.

Consider additional deductions under Sections 80D, 80E, etc., as applicable.

Capital Gains Tax:

Be aware of the new tax rules:

LTCG above Rs. 1.25 lakh on equity mutual funds is taxed at 12.5%.

STCG on equity mutual funds is taxed at 20%.

For debt mutual funds, both LTCG and STCG are taxed as per your income tax slab.

Final Insights
Your financial foundation is strong, and with strategic adjustments, you can achieve your goals. Focus on reallocating investments for better returns, managing your home loan efficiently, and planning for your child's future needs. Regular reviews and adjustments will keep your financial plan on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

..Read more

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Recommendation: Participate in CSAB rounds since there is no risk, but make timely decisions with backup admissions at private colleges in Northern India, which not only guarantee you a seat but also provide support and opportunity for career advancement.

Private colleges where your SC JEE Main rank of 34,240 is accepted for B.Tech include Chandigarh University, Mohali for Mechanical, Civil, ECE, and CSE. Lovely Professional University, Jalandhar for B.Tech in all mainstream branches. Amity University, Noida for B.Tech CSE, IT, and ECE. Sharda University, Greater Noida for B.Tech CSE and allied branches. Galgotias University, Greater Noida for core engineering branches. Jaypee Institute of Information Technology, Noida for CSE and ECE. ABES Engineering College, Ghaziabad for CSE, IT, and ECE. Indraprastha Institute of Technology & Management, Delhi for B.Tech programs. GL Bajaj Institute of Technology & Management, Greater Noida for CSE. Maharaja Agrasen Institute of Technology, Delhi for core and circuit branches. These institutions are widely regarded for SC campus support and ensure transparent, merit-based JEE Main admission up to your rank, making them ideal and feasible alternatives if you don’t secure a CSAB allotment. All the BEST for a Prosperous Future!

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A 6 digit code has been sent to Mobile

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