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Kirtan

Kirtan A Shah  |77 Answers  |Ask -

MF Expert, Financial Planner - Answered on Sep 22, 2023

Kirtan A Shah is a certified financial planner and managing director, private wealth, at Credence Family Office.
He is also a Certified International Wealth Manager and Financial Engineering and Risk Manager.
Shah is the co-author of Financial Service Management and Financial Market Operations, which are used as reference books for Mumbai University.
He is frequently seen on CNBC, Zee Business, ET NOW & BQ Prime as an expert guest.... more
Ravi Question by Ravi on Aug 23, 2023Hindi
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Hello Sir, I am a 32 years salaried employee having saving upto 2lakhs now. recently I have taken pre-owned car worth 4 lakhs. Could you please suggest me investment plan and for atleast minimum 3-5 years with good returns.

Ans: If your question is where to invest the 2L, split the same into 2 funds I mentioned below and STP over the next 6 months,

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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  |6340 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 13, 2024

Asked by Anonymous - Apr 13, 2024Hindi
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Hi, I am 34 years old and I work as a IT consultant and my wife is a homemaker and we have a 6 months old son. My salary is 26 Lakhs and currently I have about 15 Lakhs of savings and 15 Lakhs of funds parked in Shares. I dont have a house and a car. Please suggest on how to invest for home and car in about next 5-7 years and investment for child future education and marriage.
Ans: Congratulations on your new son! It sounds like you're in a good financial position to plan for your future goals. Here are some thoughts on how to invest for your home, car, and child's future:

Emergency Fund:

Before diving into investments for bigger goals, ensure you have a solid emergency fund. Aim for 3-6 months of your living expenses to cover unexpected costs. You can park this in a high-interest savings account or liquid funds for easy access.
Home and Car:

Timeline: With a 5-7 year timeframe, you can consider a mix of investments for your down payment on a house and car.
Down Payment: Typically, a 20% down payment is recommended for a house loan to avoid private mortgage insurance (PMI).
Investment Options:
Debt Funds: Invest a portion in low-risk debt funds that offer moderate returns with lower volatility than stocks.
Balanced Mutual Funds: Consider balanced mutual funds that invest in a mix of stocks and bonds, offering a balance between growth and stability.
Systematic Investment Plan (SIP) in Equity Mutual Funds: A small monthly SIP in diversified equity mutual funds can potentially offer higher returns over the long term, but be aware of market fluctuations.
Child's Education and Marriage:

Investment Horizon: You have a long investment horizon for your child's future. This allows you to consider growth-oriented investments.
Investment Options:
Equity Mutual Funds: A regular SIP in equity mutual funds allows you to benefit from compounding returns over the long term.
Child Plans: Explore child-specific investment plans offered by insurance companies. These plans provide insurance coverage along with a maturity benefit for your child's education or marriage. These may not offer the highest returns but can provide tax benefits and life insurance coverage.
Government Schemes: Sukanya Samriddhi Account (SSA) for a girl child offers good interest rates and tax benefits.
Here are some additional tips:

Do your research: Before investing in any financial product, research different options and understand the risks involved.
Seek professional financial advice: Consider consulting a registered financial advisor who can create a personalized plan based on your specific needs and risk tolerance.
Review Regularly: Review your investments periodically and adjust your asset allocation as your goals and risk tolerance change.
Remember: This is a general guideline, and the best investment strategy will depend on your specific circumstances. Be sure to factor in your risk tolerance, financial goals, and investment time horizon when making any investment decisions.

..Read more

Ramalingam

Ramalingam Kalirajan  |6340 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

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Hello Experts, Greetings Im 33yr old and was earning just to make ends meet until now.Now I have a job where I can save 1.5 lakhs per month. I have short term goal to buy a car worth 10 lakhs in next 1 year or so. . suggest an investment strategy so that I can plan accordingly to achieve this goal. Also with about 50,000 I can invest in equity and debt with 60%-40% ratio for a long time. please suggest SIPs for the same. Thank you
Ans: Congratulations on your new job and the opportunity to save significantly each month! Let's outline a strategy to help you achieve your short-term goal of buying a car worth 10 lakhs within the next year, as well as a long-term investment plan for your equity and debt portfolio:

Short-Term Goal (Car Purchase):
Since your goal is to buy a car within the next year, it's crucial to focus on low-risk, liquid investment options to ensure the safety of your capital.
Consider investing your savings in a combination of fixed deposits (FDs), liquid mutual funds, or short-term debt funds. These options provide relatively stable returns and allow for easy access to funds when needed.
Aim to allocate your savings in such a way that you can accumulate 10 lakhs within the specified timeframe. Calculate the required monthly contribution based on your investment choice and the expected rate of return.
Long-Term Investment (Equity and Debt):
With a monthly surplus of 50,000 for long-term investments, you have the opportunity to build a well-diversified portfolio that balances growth potential and risk.
Considering your risk tolerance and the long investment horizon, a 60%-40% allocation to equity and debt, respectively, seems reasonable.
For equity investments, consider investing in a mix of large-cap, mid-cap, and multi-cap mutual funds through SIPs. These funds offer exposure to different segments of the market and can help diversify your portfolio.
For debt investments, opt for high-quality debt funds or fixed income options like PPF or debt-oriented mutual funds. These instruments provide stability and regular income while preserving capital.
Regularly review your portfolio's performance and make adjustments as needed to stay aligned with your financial goals and risk tolerance.
For your short-term goal, prioritize capital preservation and liquidity, while for your long-term investment portfolio, focus on creating a balanced mix of equity and debt instruments to achieve your financial objectives.

Best of luck with your investments and car purchase journey!

..Read more

Ramalingam

Ramalingam Kalirajan  |6340 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 17, 2024

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I am 50 years old privet sector employee, my job may be over coming 3 months. My investments value are, Demat account stocks= 60 Lakhs, MF, Flexi Cap = 40 L, Mid Cap =12L, Small Cap = 5L, FD=25L, PPF=20L will matured on 2031. Cash in hand 10L, Please suggest me correct investment plan to get 1.0L monthly. I have term plan for Rs 1.0Cr. and family mediclaim policy for rs. 25 L.
Ans: Current Financial Position
You have a strong financial foundation. Your investments and savings include:

Demat account stocks: Rs 60 Lakhs

Mutual Funds (Flexi Cap): Rs 40 Lakhs

Mutual Funds (Mid Cap): Rs 12 Lakhs

Mutual Funds (Small Cap): Rs 5 Lakhs

Fixed Deposit: Rs 25 Lakhs

PPF: Rs 20 Lakhs (matures in 2031)

Cash in hand: Rs 10 Lakhs

You also have a term insurance plan of Rs 1 crore and a family mediclaim policy of Rs 25 Lakhs.

Investment Strategy for Steady Income
Systematic Withdrawal Plan (SWP)
Utilize SWP from your mutual funds.

Withdraw Rs 1 lakh monthly from Flexi Cap and Mid Cap funds.

This ensures a regular income without depleting the principal rapidly.

Dividend-Paying Stocks
Invest part of your Demat account in dividend-paying stocks.

This provides regular income and potential for capital appreciation.

Balanced Mutual Funds
Shift some funds to balanced mutual funds.

These funds offer stability and regular returns.

Debt Funds
Allocate a portion to debt funds.

These are less risky and offer regular interest income.

Emergency Fund
Maintain Rs 10 Lakhs cash for emergencies.

This ensures liquidity and financial security.

Fixed Deposits and PPF
Keep FDs and PPF as they provide guaranteed returns.

Use FD interest for additional income.

PPF will mature in 2031, adding to your corpus.

Healthcare and Insurance
Ensure your family mediclaim policy is adequate.

Consider increasing the coverage if needed.

Your term plan is sufficient for your family's financial security.

Tax Efficiency
Tax-Efficient Investments
Invest in tax-efficient options like debt funds and balanced funds.

These can reduce your tax liability on returns.

Tax Planning for Withdrawal
Plan your withdrawals to minimize tax impact.

Use tax-saving strategies to optimize your income.

Regular Review and Adjustment
Review your portfolio regularly.

Adjust investments based on market conditions and financial goals.

Consult a Certified Financial Planner for personalized advice.

Benefits of Actively Managed Funds
Actively managed funds can outperform the market.

They adapt to changing market conditions.

Professional fund managers aim for higher returns.

Avoid Direct Funds
Direct funds require constant monitoring.

Regular funds through a CFP offer professional guidance.

This reduces the burden of managing your investments.

Final Insights
You are on the right track with your investments. By optimizing your current assets and planning withdrawals strategically, you can achieve your goal of Rs 1 lakh monthly income. Regularly review your financial plan and make adjustments as needed to ensure long-term financial security.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6340 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 12, 2024

Asked by Anonymous - Aug 05, 2024Hindi
Money
hi i am working in govt university as assistant professor. my age is 44 years. my annual income 14 lakhs. i am invested only in real state through personal loan. emi 29000. no other investment has been done . i have two sons . pl suggest the investment plan for me
Ans: With an annual income of Rs 14 lakhs, your financial stability is commendable. However, your primary investment is in real estate through a personal loan, with an EMI of Rs 29,000. Having two sons also means you need to plan for their future expenses, including education and other essential needs.

Your current investment strategy, focused solely on real estate, may not be the most effective approach for long-term financial growth and security. Diversification is key to ensuring a balanced and robust financial future.

Assessing Your Investment Goals
Before diving into specific investment options, it's essential to define your financial goals. These might include:

Building a Retirement Corpus: You should plan for a comfortable retirement, given your current age of 44 years. Ideally, you would want to retire with a significant corpus that can provide a steady income post-retirement.

Children’s Education: With two sons, planning for their higher education should be a priority. Education costs are rising, and it's wise to start investing early to meet these expenses without financial strain.

Emergency Fund: Having an emergency fund is crucial. It ensures you have immediate access to funds in case of unforeseen circumstances. Typically, an emergency fund should cover 6-12 months of living expenses.

Health and Life Insurance: Adequate health and life insurance coverage is necessary to protect your family in case of any unfortunate event. This ensures that your family’s financial future is secure.

Building a Diversified Investment Portfolio
Now that you have a clear understanding of your financial goals, let’s explore how to diversify your investment portfolio beyond real estate.

1. Systematic Investment in Mutual Funds
Mutual funds offer an excellent opportunity to grow your wealth over time. They provide diversification, professional management, and a range of options to suit different risk appetites.

Equity Mutual Funds: These funds invest in stocks and have the potential for higher returns over the long term. Given your age, you can consider a mix of large-cap, mid-cap, and multi-cap funds. These funds are ideal for long-term goals like retirement and children's education.

Debt Mutual Funds: These are safer options compared to equity funds and are suitable for short to medium-term goals. They invest in fixed-income securities and provide steady returns with lower risk. Consider allocating a portion of your investments to debt funds to balance risk.

Balanced Funds: These funds invest in both equities and debt instruments, offering a balance of growth and stability. They are suitable for investors looking for moderate risk with steady returns.

Why Choose Actively Managed Funds?

Avoid index funds as they simply track the market and do not provide the expertise of a fund manager. Actively managed funds, on the other hand, are managed by experts who aim to outperform the market. This approach can potentially provide better returns, especially in a fluctuating market.

2. Systematic Investment Plan (SIP)
A SIP is a disciplined way to invest regularly in mutual funds. It allows you to invest a fixed amount every month, regardless of market conditions. This strategy helps in rupee cost averaging and building a substantial corpus over time.

Given your EMI of Rs 29,000, it’s advisable to start with a SIP amount that you are comfortable with. Even a modest monthly investment can grow significantly over the years due to the power of compounding.

3. Public Provident Fund (PPF)
The PPF is a long-term savings scheme backed by the government, offering tax benefits and attractive interest rates. It is a risk-free investment option suitable for conservative investors. The PPF comes with a lock-in period of 15 years, making it ideal for building a retirement corpus or meeting long-term goals like your children’s education.

4. Term Insurance
As a responsible family person, securing your family's future is paramount. A term insurance policy provides a high life cover at an affordable premium. Ensure you have adequate term insurance that covers your family’s needs in case of your untimely demise. The coverage should be at least 10-15 times your annual income to provide sufficient financial security to your family.

5. Health Insurance
Given the rising healthcare costs, having adequate health insurance coverage is essential. Ensure you have a comprehensive health insurance policy that covers yourself and your family. You can opt for a family floater policy, which covers all members under a single plan. This will help you manage any unforeseen medical expenses without dipping into your savings.

6. Emergency Fund
If you don't already have one, start building an emergency fund immediately. This fund should be easily accessible and stored in a liquid instrument such as a savings account or liquid mutual fund. Aim to save 6-12 months of your living expenses, which will cover your family’s needs in case of emergencies like job loss or medical crises.

Steps to Implement Your Investment Plan
Now that we have discussed various investment options, here’s how you can implement this plan:

Step 1: Assess Your Monthly Budget: After accounting for your EMI, determine how much you can comfortably allocate towards investments.

Step 2: Start SIPs in Mutual Funds: Begin with a SIP in a balanced mutual fund. As you become comfortable, gradually increase the SIP amount and diversify into equity and debt funds.

Step 3: Open a PPF Account: Consider opening a PPF account and start contributing regularly. This will be part of your long-term savings plan.

Step 4: Purchase Adequate Insurance: Ensure you have both term and health insurance in place. Review your existing coverage and enhance it if necessary.

Step 5: Build an Emergency Fund: Gradually build an emergency fund by setting aside a fixed amount every month. Keep this fund liquid and accessible.

Step 6: Regularly Review Your Portfolio: Periodically review your investment portfolio to ensure it aligns with your financial goals. Adjust your investments if necessary, based on market conditions and your risk tolerance.

Final Insights
You have already taken the first step towards financial security by investing in real estate. However, relying solely on real estate is not enough to meet your long-term goals. Diversifying your portfolio with mutual funds, PPF, and insurance will provide a balanced approach to wealth creation and risk management.

By systematically investing in mutual funds through SIPs, you can build a substantial corpus for your retirement and your children’s education. Additionally, securing adequate term and health insurance will protect your family’s future.

Remember, it's never too late to start investing. By taking these steps, you will be on the right path to achieving your financial goals and securing a comfortable future for your family.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6340 Answers  |Ask -

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

Asked by Anonymous - Aug 14, 2024Hindi
Money
Sir.. My wife has invested close to 90 lakhs in Stocks. We have 12 lakhs in FD and around 10 lak in MF. My monthly net salary is 1.8 lakhs. I hv a car loan and i pay a monthly emi of 13000. I want to invest on some Long investment plans with better returnz i am not really happy to have a large sum in stocks which is unpredictable. Can you pls suggest some plans
Ans: Your current financial situation is commendable. You have a healthy monthly income of Rs. 1.8 lakhs. Your wife has invested Rs. 90 lakhs in stocks, and you have Rs. 12 lakhs in Fixed Deposits (FDs) and Rs. 10 lakhs in Mutual Funds (MFs). You also have a car loan with an EMI of Rs. 13,000.

Your current portfolio shows a preference for stocks and FDs. Stocks are volatile, and FDs offer lower returns. This imbalance may not be aligned with your long-term financial goals.

Importance of Diversification
It is important to diversify your investments. Diversification reduces risk and ensures stable returns over time. Your current portfolio is heavily tilted towards stocks, which are unpredictable. By spreading your investments across different asset classes, you can create a balanced portfolio that offers better returns with reduced risk.

Consider investing in a mix of Mutual Funds, bonds, and other investment options. This strategy will help in creating a more balanced portfolio.

Evaluating Mutual Funds
Mutual Funds are a good option for long-term investments. They offer diversification and professional management. Since you already have Rs. 10 lakhs in Mutual Funds, it is wise to explore this option further.

You can consider investing in different categories of Mutual Funds:

Equity Mutual Funds: These funds invest in stocks and are suitable for long-term growth. They have the potential to offer higher returns compared to other investments. However, they come with higher risk.

Debt Mutual Funds: These funds invest in fixed income securities like bonds and government securities. They offer stable returns with lower risk. They are suitable for those who want regular income and capital protection.

Hybrid Mutual Funds: These funds invest in a mix of equity and debt instruments. They offer a balance of risk and return. They are suitable for investors looking for moderate growth with controlled risk.

Investing in a combination of these funds can help you achieve your financial goals while maintaining a balanced risk profile.

Importance of Regular Investment
Regular investment through Systematic Investment Plans (SIPs) is a disciplined approach. It allows you to invest a fixed amount regularly in Mutual Funds. SIPs help in averaging the cost of investment and reduce the impact of market volatility.

With your monthly income, you can easily allocate a portion towards SIPs. This will help in building a substantial corpus over time. Investing in SIPs ensures that you do not need to time the market, which is often difficult and risky.

Exploring Tax-Saving Investments
Tax-saving investments are an essential part of financial planning. They help in reducing your tax liability while growing your wealth. You can consider investing in tax-saving Mutual Funds like ELSS (Equity Linked Savings Scheme). These funds offer tax benefits under Section 80C of the Income Tax Act.

Other tax-saving options include Public Provident Fund (PPF), National Savings Certificate (NSC), and Tax-saving Fixed Deposits. These investments provide tax benefits and help in building a long-term corpus.

Fixed Deposits and Bonds
Fixed Deposits (FDs) offer safety and guaranteed returns. However, they provide lower returns compared to other investment options. Since you already have Rs. 12 lakhs in FDs, consider keeping a portion for emergency funds.

You can also explore bonds as an alternative to FDs. Bonds offer fixed interest income and are relatively safe. Investing in government or corporate bonds can provide better returns compared to FDs.

Importance of Emergency Fund
An emergency fund is essential for financial stability. It acts as a safety net in case of unforeseen expenses. It is advisable to keep 6 to 12 months of your monthly expenses in a liquid fund or a savings account.

Since you already have FDs, you can use a portion of them as your emergency fund. This ensures that you have immediate access to funds in case of emergencies.

Rebalancing Your Portfolio
Rebalancing is crucial to maintain the desired risk level in your portfolio. Since your portfolio is heavily invested in stocks, it is wise to rebalance it.

Consider reducing exposure to stocks and reallocating funds to other asset classes like Mutual Funds, bonds, and FDs. This will help in reducing risk and ensuring stable returns.

Long-Term Investment Strategy
A long-term investment strategy is essential for wealth creation. It allows your investments to grow over time through the power of compounding. Your current portfolio shows a mix of long-term and short-term investments.

It is important to align your investments with your financial goals. Consider setting specific goals like retirement, children’s education, and buying a house. Based on these goals, you can choose suitable investment options and allocate funds accordingly.

Risk Management
Risk management is an integral part of financial planning. It ensures that your investments are protected from unforeseen risks. Since stocks are volatile, it is wise to have a mix of safe investments in your portfolio.

Investing in debt funds, bonds, and FDs can help in reducing overall risk. It is also important to have adequate insurance coverage to protect against unforeseen events.

Importance of Regular Monitoring
Regular monitoring of your investments is crucial for achieving your financial goals. It allows you to track the performance of your investments and make necessary adjustments.

Consider reviewing your portfolio at least once a year. This will help in identifying underperforming assets and reallocating funds to better-performing options.

Consulting a Certified Financial Planner
A Certified Financial Planner can provide personalized advice based on your financial situation. They can help in creating a comprehensive financial plan that aligns with your goals.

Consulting a professional ensures that your investments are optimized for maximum returns with minimum risk. They can also provide guidance on tax-saving strategies and retirement planning.

Final Insights
Your current portfolio is skewed towards stocks, which are unpredictable. Diversification is key to achieving financial stability and growth.

Consider reallocating your investments to Mutual Funds, bonds, and tax-saving instruments. This will help in reducing risk and ensuring better returns.

Regular investment through SIPs and rebalancing your portfolio will keep you on track to achieve your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Milind

Milind Vadjikar  |161 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Sep 19, 2024

Asked by Anonymous - Sep 17, 2024Hindi
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Dear Sir, I have another question: I have been investing in the Bajaj Allianz Life Goal Assurance Plan for the past five years, which is a combination of insurance and investment. The total premium payment duration is 10 years, with a SIP of ?10,000 per month, followed by a lock-in period of an additional 5 years So far, my monthly contributions of ?10,000 have grown to ?9.40 lakhs, with an approximate CAGR of 16%, although the insurance coverage remains at ?12 lakhs. Initially, I did not have much knowledge but continued investing due to the plan’s market-linked structure. For the first five years, my funds were allocated to Pure Stock II and Equity Growth funds basically large-cap. Recently, mid-cap and small-cap index funds were also added to their portfolio. Now that I’ve completed 5 years of investing in large-cap components, I am considering allocating the remaining 5 years to mid-cap and small-cap funds, without increasing the SIP. This would be done through a fund switch from large-cap to mid-cap and small-cap or by dividing the allocation equally—25% each across pure-stock, equity growth, mid-cap, and small-cap funds. Would you recommend this strategy while allowing the large-cap corpurs from the first 5 years to grow at their own pace and remaining 5 years switched into mid-cap/small-cap. Since the policy will mature in 2034, this gives me ample time for the investment to grow, allowing the corpus to build significantly over the remaining years
Ans: Since you are looking for 10 year time horizon, I recommend you divide the allocation equally(25%) across pure stock, equity growth, midcap index and small cap quality index funds.

Happy Investing!!

...Read more

Radheshyam

Radheshyam Zanwar  |892 Answers  |Ask -

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Sep 19, 2024

Career
I am bsc cbz(chemistry botany zoology) 2nd semester student in bikaner rajasthan and my age is 22 and general category and want to pursue research msc than phd but confused about the scope in india in research field i am from middle class family . I dont want to become a school/ coaching teacher but can look for assistant professor and i am not interested in doing msc in chemistry or physics want to do in biotechnology microbiology etc. please help me ????????
Ans: Hello APRK.
You can pursue an M.Sc. and aim to go for P.Hd. There is a lot of scope for research field in India. To become an assistant professor, you must have a minimum qualification of M.Sc. If you are not interested in M.Sc. Chemistry / Physics, then you can go with Biotechnology Microbiology. This is also a good option for you.
In my opinion, there is no point in diversifying yourself without any reason. The correct path is B.Sc. then M.Sc. and then P.Hd. Join as an assistant professor in any college and even though you don't want to join any school/college, you can join any big coaching center or start your coaching. Without any confusion at this stage, just focus on your B.Sc. and try to excel In it with a high %tile for a better future in PG and P.Hd. While pursuing a B.Sc., if possible join some computer courses related to AI, Website development, Mastering Excel, Business Automation, etc. to have an added advantage from a job placement point of view.

If you are dissatisfied with the reply, please ask again without hesitation.
If satisfied, please like and follow me.
Thanks.

Radheshyam

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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