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Ramalingam

Ramalingam Kalirajan  |9752 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 08, 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
Asked by Anonymous - Nov 07, 2024Hindi
Money

Hello Sir, I am 42 years hold with monthly salary of 3 lakh after tax deduction. My son is 9 years old, and I want him to become doctor. How much money i need to save or invest for him to become doctor, also how much money I need for my risk-free retirement, if i plan it by 55. Kindly Advise

Ans: At the age of 42, you are earning a stable monthly salary of Rs 3 lakh after tax deductions. You have a 9-year-old son, and your dream is for him to become a doctor. Additionally, you plan to retire by the age of 55. I appreciate your foresight in planning for both your son’s education and your retirement.

It’s essential to address both goals with a structured financial strategy to ensure a secure future for your family. Let's break down how you can achieve these two significant objectives.

Estimating the Cost of Medical Education for Your Son

The cost of becoming a doctor in India can vary greatly. Private medical colleges charge a premium, while government colleges are more affordable.

Currently, the cost of a full medical degree (MBBS) at a private college can range from Rs 30 lakh to Rs 1 crore, depending on the institution. For top-tier colleges, this could go even higher.

If your son gets into a government medical college, the costs will be much lower, possibly around Rs 10 lakh to Rs 15 lakh.

Considering inflation, the cost of education could double in the next 10 years when your son is ready for college. This means you might need to accumulate Rs 1.5 crore to be on the safer side.

It's prudent to start a focused investment plan now. This way, you'll be prepared whether he chooses a private or government medical institution.

Strategic Investment Plan for Your Son’s Education

You should invest in a mix of equity and debt mutual funds to accumulate this corpus. Equities provide high growth potential, while debt ensures stability.

Start a Systematic Investment Plan (SIP) in actively managed equity mutual funds. This will help you build a sizeable corpus over the next 9 to 10 years.

Consider stepping up your SIP contributions annually. Increasing it by Rs 5,000 to Rs 10,000 every year can significantly boost your fund value.

Avoid index funds as they simply mimic the market and may not deliver high returns over the long term. Actively managed funds, with skilled fund managers, are better suited for higher returns.

You can also use Systematic Transfer Plans (STP) to gradually move from equity to debt funds as your son approaches his medical college admission. This will reduce market risk during the final years.

Building a Risk-Free Retirement Plan by Age 55

Your retirement target is just 13 years away. You will need a substantial corpus to ensure a comfortable, stress-free retirement.

Assuming you want to maintain your current lifestyle, you will likely need at least Rs 1.5 lakh per month post-retirement. Factoring in inflation, this amount could double in 13 years.

To retire with a monthly income of Rs 3 lakh, you may need a retirement corpus of around Rs 6 crore. This will ensure that your investments can generate the required cash flow without depleting the principal.

You should focus on maximizing your existing savings and investing in a balanced portfolio of equity and debt mutual funds. This combination will provide growth and stability.

Steps to Achieve a Secure Retirement Corpus

Increase your existing investments in equity mutual funds. Equities have the potential to deliver inflation-beating returns over the long term.

Invest in diversified equity funds and large-cap funds for stability and growth. These funds can perform well in different market cycles.

Avoid direct equity funds if you are not a seasoned investor. Investing through mutual fund distributors with CFP credentials ensures expert guidance and consistent monitoring.

As you get closer to your retirement, gradually move a portion of your portfolio to debt funds. This shift will protect your accumulated wealth from market volatility.

Debt funds are tax-efficient compared to fixed deposits. They offer indexation benefits, which can lower your tax liability on long-term capital gains.

The Importance of Tax Planning

Under the latest tax rules, equity mutual funds attract long-term capital gains (LTCG) tax at 12.5% if the gains exceed Rs 1.25 lakh annually. Short-term capital gains (STCG) are taxed at 20%.

Debt funds are taxed based on your income tax slab. It's wise to hold debt funds for over three years to avail indexation benefits and reduce your tax outgo.

Plan your withdrawals systematically to stay within the LTCG exemption limit. This will minimize your tax liabilities during retirement.

Setting Up an Emergency Fund and Adequate Insurance

Ensure that you have an emergency fund of at least 12 months' worth of expenses. Keep this amount in a liquid fund for easy access.

You should also have adequate term insurance to protect your family's financial future in your absence. The cover should be at least 10 times your annual income.

Additionally, review your health insurance policy to cover unforeseen medical expenses. As you approach retirement, healthcare costs are likely to increase.

Avoiding Real Estate and Other Risky Investments

Real estate investments require significant capital and lack liquidity. It may not be the best option if you are aiming for a flexible, liquid portfolio.

Focus instead on mutual funds, which offer higher returns, tax efficiency, and easy access to your money when needed.

Avoid mixing insurance with investments. Do not consider ULIPs, endowment plans, or any investment-cum-insurance policies. These often come with high charges and low returns.

Reviewing Your Financial Plan Regularly

It's important to review your investment portfolio annually. This ensures that your funds are performing optimally and aligned with your goals.

A certified financial planner (CFP) can help you adjust your portfolio based on changing market conditions, new tax laws, and your evolving needs.

Rebalance your investments periodically to lock in profits from high-performing funds and reinvest in underperforming areas with growth potential.

Additional Strategies to Accelerate Your Goals

Consider investing any annual bonuses or extra income into your SIPs or lump sum investments. This will further boost your retirement and education funds.

You can also explore side income opportunities or upskill in your current profession to increase your earnings. This additional income can help increase your savings rate.

Start exploring Sovereign Gold Bonds (SGBs) for some diversification. These bonds offer tax-free returns on maturity and can serve as a hedge against inflation.

Finally

You have a clear vision for your son’s future and your retirement. Your steady income and disciplined approach are strong assets.

Focus on increasing your SIPs, diversifying your investments, and planning your taxes efficiently.

Stay consistent with your financial strategy. By following this structured approach, you can achieve both your goals well in time.

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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You may like to see similar questions and answers below

Ramalingam

Ramalingam Kalirajan  |9752 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 03, 2024

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Money
Hi I am 37 years old and my Husband is 40 years old. Our annual salary in hand at our home is up to 20,64,000. My Yearly Saving is Rs 6 lakhs (mutual fund, LIC policy, Endowment plan, century plan, Post office schemes). My Expense like medical insurance, term insurance, car insurance is RS 50,000. My living expense per year is Rs 6,00,000. My loan is for Rs17,24,112 (including interests) for which I am paying every year up to Rs 4,31,000 till Feb'28. Also next year we have to purchase car because our car is getting expire. So up- to 14-15 lakh car we will purchase on loan. My child is currently in 6th grade and we both are working. So for happy life after retirement and save future, how much I need to save and in which plans. Please suggest. Till now beyond my savings written above I don't have bank balance which I can use as a emergency funds.
Ans: Navigating the complex landscape of finances, especially with looming expenses and future uncertainties, can feel like trying to solve a puzzle without all the pieces. It's a challenge many of us face, and it's understandable to seek guidance on charting a path towards financial security and peace of mind.

1. Current Financial Snapshot:
You and your husband are in your late 30s and early 40s, respectively, with a combined annual income of Rs 20,64,000. Here's a breakdown of your financial standing:

Income and Savings:
Annual savings of Rs 6 lakhs allocated towards various financial instruments such as mutual funds, insurance policies, and savings schemes.

Annual expenses totaling Rs 50,000 for essential insurances (medical, term, car) and Rs 6,00,000 for day-to-day living expenses.
Loan Obligations:

Existing loan of Rs 17,24,112, including interests, being paid annually up to Rs 4,31,000 until Feb'28.
Planning to purchase a new car next year, expected cost up to Rs 14-15 lakhs, which will likely require additional financing.

2. Planning for Retirement and Future Security:
With retirement on the horizon and the desire to secure your future, it's essential to map out a robust savings strategy:

Retirement Goals:
Discuss and define your retirement aspirations with your husband, envisioning your desired lifestyle and financial needs during retirement.

Savings Strategy:
Determine an ideal savings rate that balances current expenses with long-term goals, including retirement, your child's education, and potential healthcare costs.

Investment Mix:
Explore a diversified portfolio comprising mutual funds, insurance policies, and government-backed savings schemes, tailored to your risk tolerance and time horizon.

3. Addressing the Car Purchase:
The decision to replace your expiring car involves careful consideration, especially given your existing financial commitments:

Financial Implications:
Evaluate all options for financing the new car, considering potential down payments and minimizing loan burden to maintain financial flexibility.

Alternative Solutions:
Explore alternative transportation options or delaying the purchase until you've built more financial reserves to lessen the impact on your budget.

4. Building an Emergency Fund:
Establishing an emergency fund is crucial for weathering unexpected financial challenges:

Setting Savings Goals:
Determine specific savings goals for your emergency fund, considering factors like living expenses, loan obligations, and potential emergencies.

Automating Contributions:
Consider automating contributions to your emergency fund to make saving more manageable and ensure consistent progress towards your goal.

Conclusion:
While navigating the complexities of financial planning can be daunting, remember that you're not alone on this journey. By carefully managing your income, expenses, and savings, and seeking guidance from a Certified Financial Planner, you're taking proactive steps towards securing your future and achieving your long-term goals. Keep focusing on your priorities, stay adaptable to change, and trust in the process as you work towards financial freedom and peace of mind.

..Read more

Ramalingam

Ramalingam Kalirajan  |9752 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 11, 2024

Asked by Anonymous - Jun 26, 2024Hindi
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Money
Hi, My age is 32 now unmarried. Am earning around 2.5 lakhs per month. I have 50K home loan and my monthly expenses come around 30K. I have 2 lakhs Fixed deposit , 7 lakhs in PPF ,3 lakhs in NPS and 2 lakhs invested in stock market. Please guide me how much we need for retirement and child's education in future and how to invest for the same from now on.
Ans: It’s great to see you planning your financial future early. Let’s break down your current financial status and develop a strategy to secure your retirement and future child’s education.

Understanding Your Current Financial Status
Income and Expenses

Monthly income: Rs. 2.5 lakhs
Monthly expenses: Rs. 30,000
Home loan: Rs. 50,000
Current Investments

Fixed deposit: Rs. 2 lakhs
PPF: Rs. 7 lakhs
NPS: Rs. 3 lakhs
Stock market: Rs. 2 lakhs
Your financial discipline and savings are commendable. Let's build on this to achieve your goals.

Estimating Future Needs
Retirement Corpus
Estimating your retirement needs depends on various factors like current lifestyle, inflation, and expected rate of return on investments. As a rule of thumb, you should aim to build a retirement corpus that is 20-25 times your annual expenses at retirement. This ensures you can maintain your lifestyle post-retirement without financial worries.

Child’s Education Fund
Higher education costs are rising rapidly. It's wise to plan early to ensure your child gets the best education possible. Depending on the course and country, the cost can vary significantly. However, planning for at least Rs. 50 lakhs to Rs. 1 crore for higher education is a good start.

Investment Strategies for Financial Goals
Diversifying Investments
Mutual Funds

Mutual funds are an excellent choice for long-term investments due to their potential for high returns and the power of compounding. They also offer diversification, reducing risk.

Equity Funds: Suitable for long-term goals like retirement and child’s education. These funds invest in stocks, which have the potential for high returns.

Debt Funds: These are less risky than equity funds and are good for medium-term goals. They invest in fixed-income securities.

Hybrid Funds: A mix of equity and debt funds, providing a balance between risk and return.

Systematic Investment Plan (SIP)

Investing through SIPs is a smart way to invest in mutual funds. It allows you to invest a fixed amount regularly, ensuring discipline and averaging out the investment cost.

Power of Compounding

The longer you stay invested, the greater the power of compounding. Your money earns returns, and these returns also earn returns, leading to exponential growth over time.

Public Provident Fund (PPF)
PPF is a safe and reliable investment with tax benefits. It offers decent returns and should be a part of your retirement planning. Continue your contributions to PPF for steady, risk-free growth.

National Pension System (NPS)
NPS is a great retirement-focused investment with tax benefits. It offers a mix of equity, corporate bonds, and government securities. Continue your contributions to NPS for a well-rounded retirement corpus.

Setting Up a Financial Plan
Monthly Budget Allocation
Allocate your monthly income wisely to cover expenses, loan repayment, and investments.

Expenses: Rs. 30,000
Home loan: Rs. 50,000
Investments: Rs. 1.7 lakhs
Emergency Fund
Maintain an emergency fund equivalent to 6-12 months of expenses. This ensures financial stability during unforeseen events. Your current fixed deposit can serve as part of this emergency fund.

Investment Allocation
Short-Term Goals (1-3 years)

Emergency fund
Fixed deposits
Short-term debt funds
Medium-Term Goals (3-5 years)

Debt funds
Hybrid funds
Long-Term Goals (5+ years)

Equity mutual funds
PPF
NPS
Regular Review and Adjustment
Review your financial plan regularly and adjust based on changes in income, expenses, or goals. Stay updated on market trends and adjust your investment strategy accordingly.

Risk Management
Insurance

Ensure you have adequate health and life insurance to protect against unforeseen events. This is crucial for safeguarding your financial future.

Benefits of Actively Managed Funds
Actively managed funds have professional fund managers making investment decisions to maximize returns. They can potentially outperform index funds, especially in volatile markets. Regularly monitor fund performance and switch if necessary.

Final Insights
Planning for retirement and child’s education requires a disciplined approach. Diversify your investments, utilize the power of compounding, and regularly review your plan. By starting early and staying committed, you can achieve your financial goals comfortably.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9752 Answers  |Ask -

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

Money
pooja: I am 37 year old Married female. My monthly income is 45k. My monthly expenses are 15k. My monthly savings is RD: 5k. my son is 2 years old and i want to invest money for their higher education for 15-18 years.I need advice on how to use the money to get a medical insurance and to invest in mutual funds.
Ans: Assessing Your Current Financial Position
First of all, I would like to appreciate your disciplined approach toward savings. With your current monthly income of Rs 45k and expenses of Rs 15k, you are already saving a significant portion of your income. The Rs 5k in a recurring deposit (RD) shows that you are working towards building a safe and steady financial future.

Given that your son is just 2 years old, planning for his higher education over the next 15-18 years is the right step to take now. You also mentioned your desire to secure medical insurance and explore mutual fund investments. Let’s explore both these areas in detail, along with other suggestions to create a 360-degree financial plan for you.

Health Insurance: A Must for Family Protection
Before jumping into investments, it’s crucial to protect your family’s health. Medical emergencies can be costly, and without insurance, they can drain your savings. At 37, the time is ideal to get a comprehensive health insurance policy.

Family Floater Plan: You should consider a family floater health insurance plan. It covers the entire family under one plan. This will include you, your spouse, and your son.

Coverage Amount: A health insurance plan with a coverage of at least Rs 10-15 lakhs is recommended. Given the increasing cost of medical treatments, it is wise to have adequate coverage.

Additional Top-Up Plan: You can also opt for a top-up health plan. It provides additional coverage once the basic limit is exhausted. This is a cost-effective way to increase your coverage.

Critical Illness Coverage: Along with regular health insurance, you might want to consider critical illness coverage. It covers major illnesses like cancer, heart attacks, and kidney failure. Such illnesses lead to high medical costs, and a critical illness plan can help manage them.

Hospital Network: Ensure that the insurance provider has a wide network of hospitals, including those near your residence.

A Certified Financial Planner (CFP) can guide you in choosing the right insurance plan. They can help you compare premiums and select one that fits your budget while offering adequate coverage.

Evaluating Your Investment Strategy
Since you want to invest for your son’s education over the next 15-18 years, this is considered a long-term financial goal. For such goals, mutual funds are one of the best investment options. They offer the potential for higher returns, and with a long-term horizon, the power of compounding works in your favor.

Let’s break down the types of mutual funds you should consider and other important aspects.

Actively Managed Mutual Funds Over Index Funds
Given that you have a long-term goal, actively managed mutual funds are preferable to index funds. Index funds, though low-cost, simply follow the market index. This means they offer no protection during market downturns.

Better Performance: Actively managed funds have a professional fund manager who can make changes in the portfolio based on market conditions. This helps in generating better returns than index funds.

Risk Management: The fund manager can shift investments to safer assets during a market downturn, reducing risk.

In contrast, index funds will simply follow the ups and downs of the market. They do not have any risk management strategy. Hence, actively managed funds are a better option, especially for long-term investments like your son’s education.

Benefits of Regular Funds Through a Certified Financial Planner
When investing in mutual funds, you might come across the option of investing in direct or regular funds. While direct funds come with a lower expense ratio, they require you to handle everything on your own. This can be tricky, especially if you don’t have in-depth knowledge of the market.

Expert Guidance: By investing through a CFP, you get expert advice. They help you choose the best-performing funds, rebalance your portfolio, and align your investments with your goals.

Regular Monitoring: A CFP will regularly review your investments, ensuring they are on track to meet your goals. They can make necessary adjustments based on market conditions.

Direct funds may seem like a good option because of lower costs, but the lack of professional guidance can lead to poor decision-making. The benefits of regular funds, managed with the help of a CFP, far outweigh the slight cost difference.

Mutual Funds for Your Son’s Education
Since your son’s education is a long-term goal, equity mutual funds are the best choice. Over a period of 15-18 years, equity markets have historically delivered higher returns than debt instruments.

Equity Mutual Funds: These funds invest in stocks and have the potential to deliver high returns. Since you have a long investment horizon, the volatility of the stock market will be averaged out.

Balanced or Hybrid Funds: If you prefer a bit of safety, balanced or hybrid funds can be a good choice. They invest in both equity and debt, giving you the growth potential of equity while providing some stability through debt.

Systematic Investment Plan (SIP): Instead of investing a lump sum, you should invest through a SIP. This allows you to invest a fixed amount every month. SIPs benefit from rupee-cost averaging, where you buy more units when prices are low and fewer when prices are high.

By starting a SIP in equity mutual funds now, you’ll be able to build a substantial corpus by the time your son is ready for higher education.

Building an Education Corpus
Let’s now focus on building a sizeable education corpus for your son. You mentioned that your monthly income is Rs 45k, and after expenses, you can save Rs 5k in an RD. To achieve your education goal, consider increasing the amount you invest.

Increase Monthly Savings: Consider increasing your monthly savings from Rs 5k to Rs 10k-15k. This will accelerate your investment growth and help you meet your education goal more effectively.

Diversification: Apart from equity mutual funds, you can also invest in debt mutual funds for a portion of your portfolio. This will provide stability to your investments, especially when your goal approaches.

Review Periodically: Every year, review your portfolio. As you get closer to your goal, you can shift a portion of your investments to safer instruments like debt funds or fixed deposits. This will protect your corpus from market volatility.

Emergency Fund: A Safety Net
It’s important to have an emergency fund before making long-term investments. An emergency fund helps cover unexpected expenses without touching your investments.

3-6 Months of Expenses: Set aside an emergency fund equivalent to 3-6 months of your monthly expenses. In your case, this would be around Rs 45k to Rs 90k.

Keep It Liquid: Your emergency fund should be easily accessible. A good option is to keep it in a liquid mutual fund or a high-interest savings account. This will provide quick access to funds while earning some interest.

An emergency fund acts as a safety net, ensuring that you don’t have to dip into your long-term investments during a financial crisis.

Life Insurance: Protecting Your Family’s Future
As a mother, it’s essential to secure your family’s financial future in case of any unfortunate event. A life insurance policy can help provide for your child’s future even in your absence.

Term Insurance: The most suitable type of life insurance is a term insurance policy. It offers a high sum assured at an affordable premium.

Adequate Coverage: Your life insurance coverage should be at least 10-12 times your annual income. With an income of Rs 45k per month, you should consider a coverage of Rs 60-70 lakhs.

Avoid mixing insurance with investment. Investment-cum-insurance products like ULIPs or endowment policies often offer low returns and inadequate coverage. Stick to term insurance for life protection and invest in mutual funds for wealth creation.

Education Inflation: Planning for Rising Costs
Education costs are rising at a rapid rate in India. When planning for your son’s higher education, it’s essential to consider the impact of inflation on education expenses.

Education Costs Double: In India, education costs typically double every 7-10 years. This means that by the time your son is ready for higher education, costs will be significantly higher than they are today.

Plan for Inflation: Ensure that your investments are growing at a rate higher than inflation. Equity mutual funds, over the long term, have historically outpaced inflation, making them ideal for education planning.

By taking inflation into account, you can ensure that your education corpus will be sufficient to cover your son’s higher education expenses.

Financial Planning for Other Life Goals
In addition to planning for your son’s education, it’s important to plan for other life goals. This includes your retirement, purchasing a home, or any other major expense you foresee.

Retirement Planning: Even though your immediate focus is your son’s education, you should also start planning for your retirement. Consider opening a Public Provident Fund (PPF) account or investing in a National Pension System (NPS) to secure your retirement.

Diversify Across Goals: Allocate your investments based on your financial goals. While equity mutual funds can be used for your son’s education, you might want to use safer options like PPF or fixed deposits for other medium-term goals.

A holistic financial plan considers all your life goals and ensures that you have the right investments to achieve each one.

Final Insights
To sum up, you are on the right path with your savings and planning. However, by increasing your monthly investments, securing health insurance, and diversifying your investments into mutual funds, you can further strengthen your financial plan.

Ensure that you review your investments periodically and adjust them based on changing goals or market conditions. With disciplined savings and smart investment choices, you can comfortably meet your financial goals for your son’s education and beyond.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Insurance, Stocks, MF, PF Expert - Answered on Nov 17, 2024

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Nayagam P

Nayagam P P  |8885 Answers  |Ask -

Career Counsellor - Answered on Jul 16, 2025

Career
Sir please clear my doubt it's urgent!! I have passed my class 12th in 2025 with a percentage of 73%(pcm+eng+physical education) as we get chance for improvement in one subject I gave physical education which is my additional subject if with my improvement marks in physicalEdu i get more than 75% will they'll accept my improvement marksheet in next year Josaa counseling. Or improvement is only applicable for pcm and not accepted in additional subjects I'm tensed please clear my doubt. Thank you
Ans: JoSAA determines your Class-XII aggregate using exactly five subjects: Physics, Chemistry, Mathematics, one language, and one other (either Chemistry/Biology/Biotechnology/Technical-vocational subject). Your improvement result replaces the original marks for any subject you retake, whether it is a core (PCM) or the optional fifth subject. Therefore, if you improve Physical Education and that becomes your highest “other” subject score, it will count toward your five-subject aggregate, and the new mark sheet will be accepted in next year’s JoSAA counselling.

Physical Education qualifies as the fifth subject for JEE (Main and Advanced) eligibility when it is offered as the “Technical Vocational Subject” in your Class XII board examination. JoSAA computes the Class XII aggregate from exactly five subjects: Physics, Chemistry, Mathematics, one language and one optional subject (which may be Chemistry, Biology, Biotechnology or a Technical Vocational Subject such as Physical Education) . All the BEST!

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