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Ramalingam

Ramalingam Kalirajan  |4059 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 26, 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 - Feb 29, 2024Hindi
Money

Hello, I am 43 Years old and earning in-hand 2.2+ lac per month, from this year I have started investment in MF SIP(60K/month), NPS(10% basic + 50k/yrs from past 5 yrs), PPF (12500/month from past 5 yrs), Emergency fund 3lac (FD), EPF(20+lac), No EMI(Debt free - hold 2 property), Term Plan (50 lac) + 1.5 CR (Corporates cover)-> have external plan for 1.5 CR more + minimum external medical insurance plan (Currently corporate medical plan of 15 lac available) Equity investment is 0. My monthly expense is around 50k. I have two kids 5 and 10 yrs old - need to plan for education and my retirement(at 60 age). I can invest more 80-90k/month, Risk capacity is high, please suggest. Requirement - Education 2 CR for (1 CR each Kid appx) and for retirement around 5 CR liquid cash.

Ans: It's wonderful that you have a solid financial foundation and a clear vision for your future. Let's review your current investments and suggest strategies to help you achieve your goals for your children's education and your retirement.

Current Financial Situation
Monthly Income and Expenses
In-hand Income: Rs. 2.2+ lakhs per month
Monthly Expenses: Rs. 50,000
Current Investments
Mutual Fund SIP: Rs. 60,000 per month (started this year)
NPS: 10% of basic salary + Rs. 50,000 annually (contributed for the past 5 years)
PPF: Rs. 12,500 per month (contributed for the past 5 years)
Emergency Fund: Rs. 3 lakhs (in Fixed Deposit)
EPF: Rs. 20+ lakhs
Term Plan: Rs. 50 lakhs + Rs. 1.5 crore (corporate cover) + additional Rs. 1.5 crore
Medical Insurance: Corporate plan of Rs. 15 lakhs + minimum external plan
Assets
Two Properties: Debt-free
Financial Goals
Children's Education: Rs. 2 crores (Rs. 1 crore for each child)
Retirement: Rs. 5 crores liquid cash by age 60
Investment Strategy
1. Enhance Equity Exposure
Given your high-risk capacity and long investment horizon, increasing your equity exposure is prudent. Equity investments can offer higher returns compared to other asset classes.

Increase SIP Amount: You can invest an additional Rs. 80,000-90,000 per month. This can be allocated to diversified equity mutual funds, mid-cap funds, and small-cap funds for higher growth potential.
2. Optimize Existing Investments
Mutual Fund SIPs: Continue your existing SIPs. Consider adding funds with a good track record and those that align with your risk appetite.
NPS: This is a good investment for retirement savings due to its tax benefits and long-term growth potential. Ensure your allocation is optimized between equity and debt within NPS.
PPF: Continue your contributions to PPF for tax-free returns and safety. However, PPF has a lower return compared to equities, so balance your investments accordingly.
3. Diversify Investments
Diversification helps manage risk and capture opportunities across different market segments.

Equity Funds: Increase investments in equity mutual funds. Consider large-cap, mid-cap, and small-cap funds for a balanced growth portfolio.
Debt Funds: To balance the portfolio, consider debt mutual funds for stability and predictable returns.
Gold: Small allocation to Sovereign Gold Bonds (SGBs) can act as a hedge against inflation and market volatility.
Education Planning for Children
1. Systematic Investment Plan (SIP) for Education
Start dedicated SIPs in equity mutual funds targeted for your children's education. This will help in accumulating the required corpus systematically over time.

2. Child Plans
Consider investing in child-specific mutual funds or ULIPs that offer long-term growth and benefits tied to education milestones.

Retirement Planning
1. Retirement Corpus Calculation
With a target of Rs. 5 crores by age 60, let's ensure your investments align to meet this goal. A mix of equity and debt will provide growth and stability.

2. Retirement-Specific Funds
Consider investing in retirement-focused mutual funds and increasing your NPS contributions. These funds are designed to grow your savings efficiently over the long term.

3. Review and Rebalance Portfolio
Regularly review and rebalance your portfolio to align with changing market conditions and life stages. This will help in maintaining the desired asset allocation.

Risk Management
1. Adequate Insurance Cover
You already have substantial term insurance and health insurance coverage. Ensure they are sufficient to cover any unforeseen circumstances.

2. Emergency Fund
Maintain or slightly increase your emergency fund to cover 6-12 months of expenses. This provides a safety net for unexpected events.

Consultation with a Certified Financial Planner (CFP)
1. Personalized Financial Advice
A Certified Financial Planner can offer personalized advice, taking into account your specific financial situation, goals, and risk tolerance.

2. Expert Management
CFPs help in managing your investments effectively, optimizing returns while minimizing risks.

3. Comprehensive Planning
CFPs can assist with comprehensive financial planning, including tax planning, estate planning, and more, ensuring all aspects of your financial health are covered.

Example Investment Plan
Here’s a simplified example of how you might allocate your additional Rs. 80,000-90,000 monthly investment:

Equity Mutual Funds: Rs. 50,000 in diversified large-cap, mid-cap, and small-cap funds.
Debt Mutual Funds: Rs. 20,000 for stability and income generation.
Gold/SGB: Rs. 10,000 for diversification and inflation hedge.
Regular Monitoring and Adjustments
1. Annual Review
Conduct an annual review of your investments and financial goals. Adjust your SIP amounts and asset allocation as needed.

2. Stay Informed
Keep yourself informed about market trends and economic changes. Staying updated will help in making informed investment decisions.

Conclusion
Your current investments and financial strategies are commendable and align well with your goals. By increasing your equity exposure, optimizing existing investments, and consulting a Certified Financial Planner, you can confidently work towards securing your children’s education and a comfortable retirement.

Your disciplined approach and willingness to invest more monthly will significantly enhance your financial security. Continue to monitor and adjust your investments regularly to stay on track.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

www.holisticinvestment.in
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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Hi, i am 42 years old 2 children 7 and 11 yrs each. earning currently 2 lakh net. I planning to create a retirement plan. I have done some investments but have never planned with specific goals so far. I intend to grow my money as much possible. And i am willing to take few risks, like i have started doing derivatives in options ( only nifty and I am not doing intra day). Please advice if my investment are reasonable and what are the other options i have to invest. Here are my assets and liability Land at current value : 70 lakhs Gold at current value : 21 lakhs Fixed Deposit : 10 lakhs PF balance : 11 lakhs Sukanya samridhi (annual1.5lakh) : 20 lakh Ppf for son ( annual 1.5 lakh): 14 lakh Direct equity ( 6 lakh invested) : current value : 17 lakhs Mutual Funds Franklin templeton tax saver growth( sip 4000) : 12 lakh Pp flexi cap growth(Sip 2000): 77 thousand Newly started Sip Quant small cap (sip 1000) Edelweiss momemtum (SIP) Liability ( car loan) : 20 lakhs
Ans: Given your age, income, and willingness to take risks, you have a decent mix of assets, but there are areas to focus on for a balanced retirement plan:

Assets:
Your assets are well-diversified with real estate, gold, fixed deposits, and various investment instruments like PF, Sukanya Samriddhi, PPF, direct equity, and mutual funds. However, your direct equity and derivatives trading can be volatile; ensure they align with your risk appetite.

Liabilities:
The car loan is a liability that can impact your monthly cash flow. Consider paying it off sooner to reduce interest costs and free up monthly income.

Suggestions:

Increase Equity Exposure: As you're willing to take risks, consider increasing exposure to equity mutual funds and direct equity investments.

Review Derivatives Trading: Be cautious with options trading due to its speculative nature. Ensure it doesn't dominate your portfolio.

Emergency Fund: Build a separate emergency fund to cover 6-12 months of expenses.

Health and Life Insurance: Ensure you have adequate health and life insurance coverage to protect your family's financial future.

Retirement Corpus: Calculate the required corpus for retirement based on your desired lifestyle post-retirement. Use a retirement calculator to estimate the monthly contributions needed to achieve this goal.

Diversify Investments: Explore other investment avenues like debt funds, international funds, to further diversify your portfolio and manage risks better.

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Ramalingam Kalirajan  |4059 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

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Hello sir, Myself Prakash, age 31. I am a salaried person (married) working in private sector and my in hand salary is 50k. I have joint bank loan of 33L for 20 years for our house jointly by three of us (brothers) in which I am paying 9-9.5k per month (4 yrs already passed). My monthly expenses are approx 35k. I have a Emergency Corpus of 1.5L. I have a term insurance policy of 1 cr with a premium of 1.7k to be paid till 2032. I have health insurance also for my family with premium of 1.5k We also have covered our parents in separate health policy of premium 40-42k per year split equally between three of us. Pls suggest investment for my below mentioned goals. A. Short term goal 1. Small Car after 6 yrs of approx 7-8L 2. Own house after 15 years of approx 35-40L B. Long term goal 1. Child education fund after 17 yrs of 15L 2. Child marriage fund after 24 yrs of 25 L 3. Retirement fund after 24 yrs which would give me monthly 50k. Pls advise.
Ans: Dear Prakash,

It's great to see your proactive approach towards financial planning, especially with such diverse goals. Let's outline a comprehensive investment strategy to help you achieve your short and long-term objectives.

Your dedication to securing your family's future through meticulous financial planning is truly commendable and sets a strong example for responsible wealth management.

Short-Term Goals
Small Car Purchase (6 Years):
Savings Approach:
Allocate a portion of your monthly savings towards a dedicated fund for the small car purchase. Aim to save at least 7-8 lakhs over the next 6 years.
Own House (15 Years):
Investment Strategy:
Consider long-term investment options such as mutual funds or Public Provident Fund (PPF) to accumulate the required down payment for your future house. Aim for a corpus of 35-40 lakhs in 15 years.
Long-Term Goals
Child Education Fund (17 Years):
Systematic Investment Plan (SIP):
Start a SIP in equity mutual funds or balanced funds to build a corpus of 15 lakhs for your child's education over the next 17 years. Opt for a diversified portfolio to manage risk.
Child Marriage Fund (24 Years):
Strategic Investing:
Begin investing in equity-oriented instruments or a combination of equity and debt to accumulate 25 lakhs for your child's marriage expenses over 24 years. Review and adjust your investment portfolio periodically.
Retirement Fund (24 Years):
Retirement Planning:
To generate a monthly income of 50,000 post-retirement, focus on building a substantial retirement corpus through a mix of equity, debt, and other income-generating assets.
Diversified Portfolio:
Invest systematically in retirement-oriented mutual funds, National Pension System (NPS), and other retirement-focused investment avenues. Ensure a balanced allocation to minimize risk and maximize returns.
Risk Management and Insurance
Term Insurance:

Your existing term insurance coverage of 1 crore provides essential financial protection for your family. Continue paying premiums regularly to maintain coverage.
Health Insurance:

Maintain your health insurance coverage for your family and parents to safeguard against unforeseen medical expenses. Consider reviewing your policy periodically to ensure adequate coverage.
Conclusion
By adopting a disciplined approach to saving and investing, you can effectively achieve your short and long-term financial goals. Remember to periodically reassess your financial plan and make necessary adjustments to stay on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
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Ramalingam Kalirajan  |4059 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 26, 2024

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Hi I m 34 year old I have monthly income of 1.25 lakh.I have 9L in hand.I am annually investing 78k in LIC money back policy which end at 2030. I am planning to retire at the age of around 45 and want to earn monthly pension after retirement.Kindly suggest.
Ans: I'd be delighted to assist you with your retirement planning. Let's dive into a detailed approach, keeping your specific needs and preferences in mind.

Understanding Your Current Financial Landscape
You have a monthly income of Rs 1.25 lakh and have managed to save Rs 9 lakh. That's commendable!

Currently, you're investing Rs 78,000 annually in an LIC money-back policy which will mature in 2030. Understanding your current investments and savings is crucial for planning your future.

You plan to retire around the age of 45 and want to ensure a steady monthly pension post-retirement. That's a great goal, and with a strategic approach, we can certainly work towards achieving it.

Setting Clear Retirement Goals
The first step towards a successful retirement plan is to set clear goals. You want to retire at 45, which gives you around 11 years to build your retirement corpus. Here are a few questions to consider:

How much monthly pension do you aim to receive post-retirement?
What kind of lifestyle do you envision post-retirement?
Are there any major expenses planned in the next 11 years (e.g., children's education, buying a vehicle)?
Having a clear picture of your future financial needs will help in tailoring your investment strategy effectively.

Evaluating Your Current Investments
You're currently investing in an LIC money-back policy. While these policies offer a combination of insurance and investment, they may not provide the best returns compared to other investment options. It’s essential to evaluate the performance of this policy and consider alternatives that can potentially offer higher returns.

If the LIC policy is not yielding satisfactory returns, you might want to consider surrendering it and reinvesting the proceeds into more lucrative investment avenues like mutual funds.

Diversifying Your Investment Portfolio
Diversification is key to minimizing risk and optimizing returns. Here are a few investment options you could consider:

Mutual Funds
Mutual funds can be a great option for building a retirement corpus. Actively managed funds, in particular, have the potential to outperform the market, providing higher returns compared to index funds. By investing through a Certified Financial Planner (CFP), you can benefit from professional fund management and tailored investment advice.

Public Provident Fund (PPF)
PPF is a safe investment option with decent returns and tax benefits. It's a long-term investment, making it suitable for your retirement planning. Consider allocating a portion of your savings to PPF for stable and guaranteed returns.

National Pension System (NPS)
NPS is another effective retirement savings scheme that offers market-linked returns and tax benefits. It allows you to invest in a mix of equity, corporate bonds, and government securities, providing flexibility and potential for growth.

Systematic Investment Plans (SIPs)
SIPs in equity mutual funds can be an excellent way to accumulate wealth over the long term. By investing a fixed amount regularly, you can benefit from rupee cost averaging and compounding.

Building an Emergency Fund
An emergency fund is crucial to cover unexpected expenses without disrupting your long-term investments. Aim to save at least 6-12 months' worth of expenses in a liquid fund or a high-interest savings account. This ensures financial stability during emergencies and protects your retirement corpus.

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Final Insights
Planning for an early retirement is a commendable goal that requires strategic planning and disciplined investing. By understanding your financial landscape, setting clear goals, diversifying your investments, and regularly reviewing your portfolio, you can work towards building a substantial retirement corpus.

Remember, the journey to a secure retirement is a marathon, not a sprint. Consistent and well-planned investments, coupled with prudent financial management, will pave the way for a comfortable and stress-free retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ans: Dear Anonymous,

I love how you took a negative comment on you and turned it into something so positive and productive. Though revenge is never the right approach, I must commend you for your dedication and for letting it be a driving force for something amazing. Now, coming to your question, why you are not being able to forget her? It's simple. You have let her words affect you and you are still holding on to it. As amazing as your results are, you seem happier to have beaten her than about your own success. I suggest focusing on yourself now. You did great! You deserve to be proud of yourself, for your efforts and achievements, not for achieving more than her. And one more thing, do you want to date someone who had such a low opinion of you? Is that how you see yourself? Trust me, you deserve someone who reciprocates your feelings and is proud of you. And about your relationships not working, you are still a kid. You have plenty of time to find the right relationship and when you do, it will work.

Best Wishes.

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Good afternoon sir,my son is studying in class 10 now and we're unable to decide his future career prospects.based upon his interest we've shortlisted ipmat and clat after 12 th.Kindly guide about the career prospects and difficulty level of both the exams / couses and the stream he must take in class 11 for the same.Thanks.
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All the BEST for your Son's Bright Future, Sir.

To know more on ‘ Careers | Education | Jobs’, Ask / Follow me here in RediffGURU.

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Study Abroad Expert - Answered on Jun 26, 2024

Asked by Anonymous - Jun 23, 2024Hindi
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Career
I am 22 years old and graduated from cllg in 2023 and currently working. I want to pursue MS in CSE which country could be the best option in the current situation
Ans: Hello,

To begin with, thank you for contacting us. To answer your question first, I would like to let you know that a number of variables including the cost, educational quality, possibilities for research, and employment prospects post-graduation, play a key role in selecting the best nation for pursuing an MS in Computer Science and Engineering (CSE).

As of 2024, the United States continues to be a popular choice owing to its renowned universities, vast research facilities, and robust labor market in technology hotspots viz., Silicon Valley. I would like to tell you that nations viz., Canada and Germany are also great choices offering advantageous immigration laws, and top-notch instruction with relatively cheaper tuition fees. You would be glad to know that public universities in Germany frequently charge cheap or no tuition fees, whereas Canada is renowned for its welcoming attitude towards overseas students and potential routes to permanent residency. Each choice has distinct advantages, thus, when making your decision, I would suggest that you take into account your financial condition, personal choices, and professional objectives.

You can also get in touch with us and our team of expert counselors will provide information on MS programs in CSE in several other countries like the UK, Australia, Germany, among many others.

For more information, you can visit our website: www.edwiseinternational.com

You can also follow us on our Instagram page: edwiseint

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Sushil Sukhwani  |424 Answers  |Ask -

Study Abroad Expert - Answered on Jun 26, 2024

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Sir my son is CSE graduate and having one year exp.need to study MS in foreign countries,can you pl suggest which country is best and economical,
Ans: Hello Annamalai,

First and foremost, thank you for getting in touch with us. To answer your question first, I would like to tell you that Germany is a great option for a Computer Science Engineering (CSE) graduate looking for an affordable yet top-notch MS program overseas. Outstanding education in computer science and engineering with cheap or no tuition fees is offered by universities in Germany, particularly public universities. Moreover, Germany boasts a strong technology sector and a dynamic labor market which can offer excellent job opportunities following graduation.

Canada, renowned for its first-rate education and comparatively economical tuition in comparison to the United States, is another feasible choice. Universities in Canada offer robust computer science programs and the nation’s friendly immigration laws may make it simpler for graduates to remain and find employment post the completion of their education. I would like to let you know that excellent value for money as well as opportunities for professional growth in the technology sector are offered by both the nations.

You can also get in touch with us and our team of expert counselors will provide information on MS programs in several other countries like the USA, the UK, Australia, among many others.

For more information, you can visit our website: www.edwiseinternational.com

You can also follow us on our Instagram page: edwiseint

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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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