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Ramalingam Kalirajan |7290 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 13, 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

Question by Kunal on May 09, 2024Hindi

Money

Hello Sir, My age is 43, married and having two daughters (age 14 & 6) and have monthly net salary of Rs. 55k and I am saving around 20k per month (various SIPs-10K, NPS 5K & Stocks-5K) My other investments are as follows; • EPF – as of now 4 Lakhs • Post office MIS – 9 Lakhs • Post office NSC – 15 Lakhs • Sukanya Samriddhi Yojana – 1 Lakh • Fixed Deposits – 6 Lakhs • PPF – 10 Lakhs • Gold Bond – 3.5 Lakhs • Existing Stock + Mutual fund portfolio – 12 Lakhs • Home Loan outstanding – 7.6 Lakhs (Owned apartment current value is 50 Lakhs) Please let me know whether my current investment is enough for peaceful retirement of do I need to invest more.

Ans: You've made commendable strides in securing your financial future, but let's delve deeper to ensure a comfortable retirement awaits you:

Your current savings strategy, including SIPs, NPS contributions, and investments in various instruments, demonstrates a proactive approach towards wealth accumulation. However, to ascertain whether your current investments suffice for a peaceful retirement, let's analyze your financial position comprehensively.

Your existing investments across EPF, post office schemes, PPF, and other instruments provide a diversified portfolio catering to both short-term liquidity needs and long-term wealth accumulation. Additionally, your allocation towards Sukanya Samriddhi Yojana reflects a thoughtful consideration for your daughters' future financial needs.

Considering your age and retirement horizon, it's crucial to assess the adequacy of your retirement corpus. While your current savings rate is commendable, projecting your future expenses, inflation, and lifestyle expectations is imperative to determine the gap between your current savings and retirement goals.

Factors such as your daughters' education expenses, healthcare needs, inflationary pressures, and desired retirement lifestyle warrant careful consideration. Additionally, factoring in unforeseen circumstances and emergencies is vital to ensure financial resilience during retirement.

Your outstanding home loan adds a liability to your financial equation, albeit a manageable one. It's advisable to assess the impact of loan repayment on your cash flow and retirement savings trajectory. A structured approach to debt repayment, balancing between accelerating loan clearance and boosting retirement savings, can optimize your financial position.

To bridge any potential shortfall in your retirement corpus, consider augmenting your savings rate and exploring investment avenues offering higher returns. Reviewing your asset allocation, optimizing tax-saving strategies, and seeking professional guidance from a Certified Financial Planner can provide invaluable insights tailored to your specific circumstances.

In conclusion, while your current investments lay a solid foundation, a comprehensive review considering your financial goals, obligations, and aspirations is essential to ensure a peaceful retirement. By proactively addressing potential gaps and optimizing your savings and investment strategy, you can embark on a journey towards financial security and tranquility in your golden years.

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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Ramalingam Kalirajan |7290 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 20, 2024

Question by Kunal - May 08, 2024Hindi

Money

Hello Sir, My age is 43, married and having two daughters (age 14 & 6) and have monthly net salary of Rs. 55k and I am saving around 20k per month (various SIPs-10K, NPS 5K & Stocks-5K) My other investments are as follows; • EPF – as of now 4 Lakhs • Post office MIS – 9 Lakhs • Post office NSC – 15 Lakhs • Sukanya Samriddhi Yojana – 1 Lakh • Fixed Deposits – 6 Lakhs • PPF – 10 Lakhs • Gold Bond – 3.5 Lakhs • Existing Stock + Mutual fund portfolio – 12 Lakhs • Home Loan outstanding – 7.6 Lakhs Please let me know whether my current investment is enough for peaceful retirement of do I need to invest more. Kunal

Ans: Assessing Your Retirement Readiness
Current Financial Status
Congratulations on taking proactive steps towards securing your financial future. Your current investments reflect a disciplined approach towards wealth accumulation.

Evaluating Retirement Goals
To determine if your current investments are sufficient for a peaceful retirement, we must assess your retirement goals, expected expenses, and desired lifestyle.

Analyzing Retirement Corpus
Considering your age, family size, and current investments, we'll estimate the corpus required to sustain your lifestyle post-retirement.

Estimating Retirement Expenses
We'll evaluate your projected retirement expenses, including living costs, healthcare, children's education, and any other financial obligations.

Identifying Retirement Income Sources
Besides your existing investments, we'll explore other potential income sources during retirement, such as pension, rental income, or part-time work.

Conducting Retirement Gap Analysis
After assessing your retirement corpus requirements and income sources, we'll identify any shortfall or surplus in meeting your retirement goals.

Recommendations for Retirement Planning
Increase Monthly Savings: Given your current savings rate, consider boosting your monthly contributions to SIPs, NPS, and stocks to bridge the retirement gap.

Diversify Investment Portfolio: Explore diversification opportunities by investing in a mix of equity, debt, and balanced funds to optimize returns and manage risk.

Review Asset Allocation: Rebalance your portfolio periodically to maintain an appropriate asset allocation aligned with your risk tolerance and retirement timeline.

Consider Retirement-oriented Funds: Evaluate the option of investing in retirement-oriented mutual funds or pension plans to enhance retirement savings.

Pay off Home Loan: Aim to clear your home loan outstanding to reduce financial liabilities and free up cash flow for retirement savings.

Monitor and Adjust: Regularly monitor your investments' performance and make necessary adjustments to stay on track towards your retirement goals.

Conclusion
While your current investments demonstrate prudent financial planning, it's essential to reassess your retirement strategy periodically. By implementing the recommended measures and staying committed to your financial goals, you can enhance the likelihood of enjoying a peaceful and financially secure retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ramalingam Kalirajan |7290 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jun 24, 2024

Asked by Anonymous - Jun 23, 2024Hindi

Money

I am 54 year old single lady. Have no loan or liability. I have one house to stay. My current investments are Ppf 22 lakh Pf 15 lakh Equity 48 lakh Mf 58 lakh Fd 22 lakh Lic 12 lakh Ulip 20 lakh Am i financially ready to retire As of now i save and invest almist a lakh per month

Ans: You are a 54-year-old single lady with no loans or liabilities. You own a house, which is great. Your current investments are diversified across different asset classes, which is excellent. Let’s break down your investments:

PPF: Rs. 22 lakh

PF: Rs. 15 lakh

Equity: Rs. 48 lakh

Mutual Funds: Rs. 58 lakh

Fixed Deposits: Rs. 22 lakh

LIC: Rs. 12 lakh

ULIP: Rs. 20 lakh

You also save and invest nearly Rs. 1 lakh per month. This disciplined approach is commendable and sets a strong foundation for your retirement planning.

Assessing Your Monthly Expenses

Knowing your monthly expenses is crucial. Let’s assume your monthly expenses are Rs. 50,000. This includes all your living costs, healthcare, and leisure activities. Planning for retirement means ensuring that you have enough to cover these expenses for the rest of your life.

Evaluating Your Current Investments

You have a diversified portfolio, which is excellent. Diversification reduces risk and can lead to more stable returns over time. Let’s examine each component of your portfolio:

PPF and PF

Your PPF and PF investments total Rs. 37 lakh. These are safe investments with decent returns. They also offer tax benefits. Keep contributing to these as long as possible.

Equity and Mutual Funds

You have Rs. 48 lakh in equities and Rs. 58 lakh in mutual funds. This is a significant portion of your portfolio. Equities can offer high returns but come with higher risk. Mutual funds, especially those managed by professionals, can balance this risk.

Fixed Deposits

You have Rs. 22 lakh in fixed deposits. These are safe but offer lower returns compared to equities and mutual funds. Ensure these deposits are spread across different maturities to manage interest rate risk.

Insurance Policies

You have Rs. 12 lakh in LIC and Rs. 20 lakh in ULIP. These products combine insurance with investment. However, they often have high costs and lower returns compared to mutual funds. Consider surrendering these policies and reinvesting in mutual funds for better returns.

Healthcare and Emergency Funds

Healthcare costs increase with age. Ensure you have comprehensive health insurance. Also, maintain an emergency fund to cover unexpected expenses. This fund should cover at least 6-12 months of your living expenses.

Pension or Regular Income

You need a steady income stream in retirement. This can come from pensions, rental income, or systematic withdrawals from your investments. Plan for a mix of income sources to ensure stability.

Calculating Retirement Corpus

Your retirement corpus should cover your expenses for the rest of your life. Let’s assume you need Rs. 50,000 per month for the next 30 years. This means you need a substantial corpus to ensure financial stability.

Role of Inflation

Inflation reduces purchasing power over time. Plan for rising expenses by investing in assets that grow with inflation. Equities and mutual funds are good options for this purpose.

Benefits of Actively Managed Funds

Actively managed funds are managed by professionals aiming to outperform the market. They can offer higher returns compared to index funds, which simply track the market. This makes them a good option for retirement planning.

Disadvantages of Index Funds

Index funds follow the market index and cannot outperform it. They lack the strategic approach of actively managed funds. Actively managed funds can adapt to market changes and provide better returns.

Risks of Direct Funds

Direct funds require you to manage investments yourself. This needs time, knowledge, and experience. Without proper expertise, you might make poor investment choices. Investing through a CFP ensures professional management and better results.

Creating a Diversified Portfolio

A diversified portfolio spreads risk and can lead to stable returns. Consider a mix of equities, mutual funds, fixed deposits, and other financial instruments. This balance helps in managing market volatility and achieving consistent growth.

Balancing Risk and Return

Your investments should balance risk and return. Higher returns often come with higher risks. Align your investment strategy with your risk tolerance and financial goals. A CFP can help in creating this balance.

Regular Review and Rebalancing

Regularly review your portfolio to ensure it remains aligned with your financial goals. Rebalancing helps in adjusting investments according to market changes. This keeps your portfolio healthy and on track.

Systematic Withdrawal Plan (SWP)

An SWP allows you to withdraw a fixed amount from your mutual fund investments regularly. This provides a steady income stream, ideal for retirees.

How SWP Works

In an SWP, you invest a lump sum in a mutual fund. You then set up a plan to withdraw a fixed amount at regular intervals (monthly, quarterly, etc.). The remaining investment continues to grow, providing a balance of income and capital appreciation.

Benefits of SWP

SWP offers several benefits:

Regular Income: Provides a steady income stream to meet monthly expenses.

Tax Efficiency: Withdrawals are treated as redemptions. Only the gains portion is taxed, not the principal amount.

Capital Appreciation: Remaining investment continues to grow, ensuring financial stability.

Flexibility: You can start, stop, or modify SWP as per your financial needs.

Implementing SWP in Your Portfolio

Given your investments, SWP can be a part of your retirement strategy. Here’s how you can implement it:

Select Suitable Mutual Funds: Choose funds that align with your risk tolerance and investment goals. Actively managed funds are a good option.

Decide Withdrawal Amount: Determine the monthly amount you need. For instance, Rs. 50,000 per month.

Set Up SWP: Contact your fund house or CFP to set up the SWP. Ensure it starts when you retire.

Monitor and Adjust: Regularly review your SWP. Adjust the withdrawal amount or fund allocation as needed.

Building a Retirement Corpus

Your savings and investments should create a retirement corpus. This corpus should be sufficient to cover your post-retirement life. Consider future expenses, inflation, and healthcare costs while building this corpus.

Emergency Fund Allocation

Allocate a part of your savings to an emergency fund. This fund should cover at least 6-12 months of expenses. It provides financial security during unforeseen events.

Healthcare and Insurance Planning

Ensure comprehensive health insurance. It should cover you adequately. Also, consider long-term care insurance. This covers expenses in case of prolonged illness or disability.

Creating a Financial Plan

A financial plan outlines your financial goals, income, expenses, and investments. It acts as a roadmap for achieving financial security. A CFP can help in creating and managing this plan.

Retirement Planning

Plan your retirement thoroughly. Consider your desired lifestyle, expenses, and healthcare needs. Ensure that your pension and savings cover these aspects. Regular reviews and adjustments keep your retirement plan on track.

Lifestyle Considerations

Your lifestyle affects your retirement plan. Factor in your hobbies, travel plans, and other activities. Ensure that your financial plan supports your desired lifestyle without compromising on essentials.

Debt Management

If you have any debts, plan to repay them before retirement. Debt-free retirement ensures financial freedom and reduces stress. Prioritize high-interest debts and create a repayment plan.

Tax Planning

Effective tax planning reduces your tax burden. Invest in tax-saving instruments and plan your withdrawals wisely. A CFP can guide you in maximizing tax benefits and minimizing liabilities.

Legacy Planning

Legacy planning ensures that your assets are passed on to your heirs smoothly. Create a will and plan for estate management. This avoids legal hassles and ensures your wishes are respected.

Monitoring and Adjusting Your Plan

Regular monitoring of your financial plan is crucial. It helps in identifying any deviations and making necessary adjustments. This ensures that your financial goals remain on track.

Retirement Lifestyle Adjustments

Be prepared to adjust your lifestyle if needed. If your expenses rise significantly, you may need to cut back on non-essential spending. This ensures that your financial plan remains sustainable.

Role of a Certified Financial Planner

A CFP offers expert guidance in financial planning. They help in creating a balanced portfolio, managing risks, and achieving financial goals. Their professional advice ensures financial security and growth.

Benefits of Professional Financial Planning

Professional financial planning offers several benefits. It provides a structured approach to managing finances. It helps in achieving financial goals, managing risks, and ensuring long-term financial security.

Creating a Financial Safety Net

A financial safety net provides security against unforeseen events. It includes emergency funds, insurance, and diversified investments. This safety net protects your finances and provides peace of mind.

Retirement Income Strategies

Your retirement income should come from multiple sources. This includes pension, savings, and investments. Diversified income sources provide financial stability and security.

Adapting to Market Changes

Market changes affect your investments. Stay informed and be ready to adapt your investment strategy. Regular reviews and adjustments help in managing market volatility.

Managing Longevity Risk

Longevity risk is the risk of outliving your savings. Plan your finances to cover a longer life expectancy. This includes considering healthcare costs and inflation.

Ensuring Financial Independence

Financial independence means having enough income to cover your expenses without relying on others. Plan your finances to ensure independence throughout your retirement.

Balancing Present and Future Needs

Balancing present and future needs is crucial in financial planning. Ensure that your current lifestyle does not compromise your future financial security. Create a plan that supports both present and future needs.

Final Insights

You have done an excellent job with your investments. However, careful planning is essential for a secure retirement. Diversify your investments, seek professional advice from a CFP, and ensure that your financial plan covers all aspects of retirement. Incorporating an SWP into your retirement strategy can provide a steady income stream. With the right strategy, you can enjoy a comfortable and financially secure retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ramalingam Kalirajan |7290 Answers |Ask -Follow

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

Asked by Anonymous - Jul 09, 2024Hindi

Money

I am 44 years old. I have 34 lac in MF, 4 Lac in NPS, 1.06 Cr in PPF, 50 Lac in PF, 1 Lac in stock and 22 Lac in post office Fixed deposit.Monthly income 1.2 Lac. I am investing 26500 Monthly in MF SIP and 15000 towards post office RD, also in VPF 21000 and PPF yearly 450000 (In 3 account). My monthly expense is 60000 and planing to retire at 50. I have school going child studing in class 7. Is my investment is sufficient for retirement planning.

Ans: Your current financial situation shows a strong foundation, and your disciplined approach to saving and investing is commendable. Let’s dive deeper into your investments and see if they align with your retirement goals at age 50, while ensuring your child's education and other expenses are covered.

Evaluating Your Current Financial Status
You have a diversified portfolio, which is excellent for mitigating risks and optimizing returns. Here’s a summary:

Mutual Funds (MF): Rs 34 lakhs
National Pension System (NPS): Rs 4 lakhs
Public Provident Fund (PPF): Rs 1.06 crores
Provident Fund (PF): Rs 50 lakhs
Stocks: Rs 1 lakh
Post Office Fixed Deposit (FD): Rs 22 lakhs
Monthly Income: Rs 1.2 lakhs
Monthly Investments: Rs 26,500 in MF SIPs, Rs 15,000 in post office RD, Rs 21,000 in VPF, and Rs 4,50,000 annually in PPF
Monthly Expenses: Rs 60,000
Financial Goals and Challenges
Retirement at Age 50: Ensuring a comfortable lifestyle post-retirement.
Child’s Education: Saving for higher education expenses.
Emergency Fund: Maintaining liquidity for unforeseen circumstances.
Health Insurance: Securing health coverage to avoid high medical costs.
Assessing Retirement Corpus
Calculating Required Corpus
To retire comfortably at 50, you need to ensure that your investments can sustain your lifestyle. With your current expenses at Rs 60,000 per month, let’s consider inflation and increased medical costs as you age.

Inflation Impact
Inflation will erode the value of your savings over time. Assuming an average inflation rate of 6%, your current monthly expenses of Rs 60,000 could significantly increase by the time you retire. Planning for a higher monthly expense post-retirement, say Rs 1 lakh, will be prudent.

Estimating Corpus
For a retirement period of 30 years (assuming a lifespan of 80 years), a rough estimate suggests you might need a corpus that can generate Rs 1 lakh per month. Considering inflation and a conservative withdrawal rate, a corpus of around Rs 6-7 crores would be required.

Strengthening Your Investment Portfolio
Mutual Funds
Your current SIP of Rs 26,500 in mutual funds is a strong commitment.

Actively Managed Funds: Actively managed funds can outperform index funds, especially in emerging markets like India. They offer potential for higher returns due to professional fund management.

National Pension System (NPS)
NPS provides a good mix of equity and debt, which is beneficial for long-term growth.

Continue Contributions: Consider increasing your contributions to NPS if possible. NPS also provides additional tax benefits under Section 80CCD(1B).

Public Provident Fund (PPF)
PPF is a safe and reliable investment.

Regular Contributions: Your substantial investment in PPF is good, considering its tax-free interest. Continue maxing out your contributions annually.

Provident Fund (PF) and Voluntary Provident Fund (VPF)
Your PF and VPF contributions ensure steady and safe growth.

Maximize Contributions: Continue maximizing VPF contributions, as they offer higher interest rates and tax benefits.

Stocks
While your current investment in stocks is minimal, direct equity investments can offer significant returns.

Consider Equity Mutual Funds: If you’re not comfortable picking individual stocks, consider equity mutual funds for diversified exposure.

Fixed Deposits and Recurring Deposits
Your investments in post office FDs and RDs provide safety but offer lower returns.

Shift to Higher Returns: Gradually shift a portion of these funds to higher-return investments like debt mutual funds or balanced funds for better growth potential.

Planning for Child’s Education
Education Corpus
Your child is in class 7, and you have about 5-6 years before college expenses start. Higher education costs can be substantial, so planning early is crucial.

Education Funds: Consider dedicated education funds or balanced funds, which provide a mix of safety and growth.

Systematic Investment Plan (SIP): Continue or increase SIPs in diversified mutual funds earmarked for education.

Health Insurance
Health insurance is crucial to protect your savings from medical emergencies.

Family Floater Plan: Ensure you have a comprehensive family floater plan that covers all members adequately.

Critical Illness Cover: Consider adding a critical illness cover to safeguard against severe health issues.

Emergency Fund
An emergency fund acts as a financial buffer for unforeseen expenses.

3-6 Months Expenses: Ensure you have 3-6 months’ worth of expenses set aside in a liquid fund or savings account for easy access.

Tax Planning
Effective tax planning helps maximize your savings.

Section 80C
Maximize 80C Benefits: Your investments in PPF, PF, and life insurance already provide tax benefits under Section 80C. Ensure you’re maximizing these benefits.

Section 80CCD
NPS Contributions: Contributions to NPS provide additional tax benefits under Section 80CCD(1B).

Diversification and Rebalancing
A diversified portfolio minimizes risks and maximizes returns.

Asset Allocation
Diversify Across Asset Classes: Allocate your investments across equities, debt, and fixed income instruments. Consider a mix of 60% equity and 40% debt for balanced growth.

Regular Rebalancing
Periodic Review: Review your portfolio periodically and rebalance to maintain your desired asset allocation. This ensures your portfolio remains aligned with your financial goals.

Professional Guidance
Consulting a Certified Financial Planner (CFP) can provide personalized advice and help you stay on track.

CFP Benefits
Expert Guidance: A CFP provides expert advice on investment strategies, tax planning, and retirement planning.

Regular Reviews: Regular reviews with a CFP can help you adjust your strategy as needed.

Final Insights
Your disciplined approach to saving and investing has put you on a solid financial footing. With your current investments and income, you’re well-positioned to achieve your retirement goals.

However, ensuring your corpus grows sufficiently to sustain your post-retirement life is crucial. By optimizing your investment strategy, managing risks, and planning for inflation, you can build a secure future.

Consider increasing your contributions to equity mutual funds and NPS for better growth. Ensure you have adequate health insurance and maintain a robust emergency fund.

With careful planning and regular reviews, you can achieve your goal of retiring at 50 comfortably and ensure your child's education expenses are covered. Keep up the good work and stay committed to your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Latest Questions

Dr Nagarajan Jsk |183 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Dec 21, 2024

Asked by Anonymous - Nov 19, 2024Hindi

Career

Hello sir I am mbbs graduated from russia in 2020,n passed with my fmge exam in india in 2021, I want to ask if i want to practice medicine or work as doctor in uk ? Is it necessary for me to pass plab exam exam? Or if i get sponsorship from any uk i will be able to work there and simultaneously i will give plab exam?? Please guide me i m so confused?

Ans: Hi, I understand that you pursued a medicine course in Russia (a non-European country) and, since you are from India, you have completed the FMGE. Now you want to practice or work in the UK as a doctor?

Based on your question, you are eligible to practice in India after completing your internship (which you haven't mentioned, but I assume you have completed it). The FMGE is essentially a licensure exam for Indian students who have completed their medical studies abroad, so you are eligible to practice in India only.

If you want to practice medicine in the UK, you need to complete the PLAB test, as you are from outside the UK/Switzerland/European countries (Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland).

You also inquired about sponsorship. Here is the information related to sponsorship for practicing medicine in the UK.
(Extracted from general medical council, uk org. )Applying for registration using sponsorship
If you apply through sponsorship, you will have to satisfy the sponsor that you possess the knowledge, skills and experience required for practising as a fully registered medical practitioner in the UK. Each sponsor has their own scheme which we have pre-approved. If you can satisfy the requirements of their scheme, they will issue you with a Sponsorship Registration Certificate (SRC) which you will need for your application with us. Please ensure this is a Sponsorship Registration Certificate for GMC registration, as we can’t accept UK visa sponsorship certificates for your application for registration.
Please note that a core part of all sponsors' criteria is that a doctor applying for an offer of sponsorship must have been engaged in medical practice for three out of the last five years including the most recent 12 months. If you cannot meet these minimum criteria, it is unlikely that you'll be able to supply sufficient evidence to support your application for sponsorship.
Doctors applying through sponsorship are required to demonstrate their English language skills by achieving our current minimum scores in the academic version of the IELTS test or the OET (medicine version).
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• St George’s University Hospitals NHS Foundation Trust – International Anaesthetics Fellowship Programme
• St George’s University Hospital NHS Foundation Trust (Dr Nirav Shah) – International Intensive Care Medicine Trainees
• St George’s University Hospitals NHS Foundation Trust – International Emergency Medicine Trainees
• Surrey and Borders Partnership (SABP) NHS Foundation Trust – International Psychiatric and Community Paediatrics Sponsorship Scheme
• Tees, Esk and Wear Valleys NHS Foundation Trust – International Psychiatric CESR or SAS Fellowship
• University College London Hospitals NHS Foundation Trust, Department of Critical Care – Clinical Fellowship Critical Care and Perioperative Medicine
• University Hospital Birmingham NHS Foundation Trust - International Training Fellowship Programme
• University Hospitals Birmingham NHS Foundation Trust - UHB LED Fellowship Programme
• University Hospitals Bristol and Weston NHS Foundation Trust – Bristol Children's Hospital International Fellowship Scheme
• University Hospitals Bristol and Weston NHS Foundation Trust - Department of General Internal Medicine at Weston General Hospital
• University Hospitals Coventry and Warwickshire NHS Trust
• University Hospitals of Leicester NHS Trust - Postgraduate Clinical Fellowship Programme
• University of Buckingham – Master of Medicine
• University of Buckingham – Master of Surgery
• University of Chester and Cheshire and Wirral Partnership NHS Trust – International Training Fellows Psychiatry
• University of Hertfordshire – Professional Doctorate in General Internal Medicine (Clinical MD) Programme
KINDLY NOTE: If your sponsor is not on this list then you cannot apply using sponsorship.
If you have any further questions, please visit the GMC website for more information.

WISH YOU ALL THE VERY BEST.

Dr Nagarajan Jsk |183 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Dec 21, 2024

Asked by Anonymous - Aug 02, 2024Hindi

Career

I’m mbbs final year student from Kathmandu university want pg medicine from UAE

Ans: You have provided very limited information. I understand that you are a student from Kathmandu University and wish to pursue higher education in medicine in the UAE. To provide a more accurate response, I need the following details:

What is your nationality? (Based on your nationality, I can check the relevant requirements from the health department regarding courses and internships).

Dr Nagarajan Jsk |183 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Dec 21, 2024

Asked by Anonymous - Dec 20, 2024Hindi

Career

Sir my son has 92 percentile in cat 2024..what are his scopes of admission.

Ans: Hi Sir,
You have provided very limited information to obtain the details. However, the percentile of the candidate will not solely determine the admission process. Other factors are also involved, including:

- Course
- Institution
- Caste
- Creamy layer
- Gender

But, there may be possibilities for admission to the following IIMs: IIM Visakhapatnam, Udaipur, Bodhgaya, Shillong, and Rohtak.

Ramalingam Kalirajan |7290 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Dec 21, 2024

Asked by Anonymous - Dec 21, 2024Hindi

Money

Hi Sir, I follow your articles regularly and your detailed assessment is really awesome.I am 47yrs Male with wife, 20&18 years kids, elder one is in B.Tech and younger one is 12th. My wife is a home maker. Coming to financials. I have 4 houses including the one residing worth 10cr(total) and getting rental income of 70k per month, invested in stocks and MFs worth 60L, have foreign stocks of worth 1.7cr, accumulated pf around 1.3cr. I have farm lands worth 5cr. Have 1.2cr loan and salary of ~4L (net). current sips in equity 70k/month, have 5Cr term plan, health insurance for family 50L. How do I plan my retirement at 52-53years assuming 80 years life expectancy. Don't want to depend on kids and need regular income ~3-4L per month.

Ans: Asset Evaluation
Real Estate:
You own four houses worth Rs 10 crore, generating Rs 70,000 monthly rental income. This is a solid base for passive income. However, real estate can have fluctuating maintenance costs, tenant issues, and varying rental yields over time.

Stocks and Mutual Funds:
Your Rs 60 lakh investment in stocks and mutual funds is a commendable step. Active mutual funds offer professional fund management and can outperform index funds over time.

Foreign Stocks:
Your Rs 1.7 crore portfolio in foreign stocks adds geographical diversification. Monitor currency exchange fluctuations and global market trends.

Provident Fund (PF):
With Rs 1.3 crore in PF, this is a reliable retirement corpus. The fund provides fixed returns and tax benefits, adding stability.

Farm Lands:
Farm lands worth Rs 5 crore are an illiquid but valuable asset. They might not generate consistent income unless leased or developed.

Loans:
A loan liability of Rs 1.2 crore needs prioritised repayment. Focus on loans with higher interest rates first.

Insurance Coverage:
A Rs 5 crore term plan is robust. Your Rs 50 lakh health insurance is sufficient for unexpected medical emergencies.

Retirement Goals
You need Rs 3–4 lakh monthly for 27–28 years post-retirement.
The portfolio must generate steady, inflation-adjusted returns.
Action Plan for Retirement
Debt Management
Prepay High-Interest Loans:
Use a portion of your surplus income to prepay loans. This reduces interest outflow and increases your cash flow.

Avoid New Loans:
Focus on reducing existing liabilities instead of taking on new ones.

Portfolio Restructuring
Real Estate:
Retain essential properties. Sell underperforming or non-essential properties to reduce concentration in real estate. Invest proceeds in mutual funds or debt instruments for diversification.

Mutual Funds (MFs):
Increase SIPs in actively managed funds. They outperform direct funds due to guidance from Certified Financial Planners and MFDs. Regular funds offer better tracking and professional assistance.

Stocks:
Monitor direct equity investments closely. Consider reallocating underperforming stocks to mutual funds for better management.

Debt Instruments:
Invest in high-quality debt funds or fixed-income securities for stability. These instruments balance equity volatility and ensure steady returns.

SIP Strategy
Increase SIPs from Rs 70,000 to Rs 1 lakh/month.
Allocate 70% to equity funds for long-term growth.
Invest 30% in debt funds for stability and liquidity.
Emergency Fund
Maintain a 12-month expense reserve in liquid funds or fixed deposits.
This covers unexpected expenses without disturbing investments.
Income During Retirement
Systematic Withdrawal Plan (SWP)
Use SWPs in mutual funds to generate regular income.
Withdraw 6–8% annually from your mutual fund portfolio for a steady income stream.
Rental Income Optimisation
Review property rents regularly.
Invest part of rental income in equity or debt mutual funds for compounding.
Dividend Stocks
Retain high-dividend-yield stocks for regular income.
Reinvest surplus dividends for long-term growth.
Tax Efficiency
Equity Funds Taxation:
Long-term gains above Rs 1.25 lakh are taxed at 12.5%. Short-term gains are taxed at 20%.

Debt Funds Taxation:
Both short- and long-term gains are taxed per your income slab.

Real Estate Capital Gains:
Use exemptions under Sections 54 or 54F to save tax on property sales.

Inflation Protection
Allocate 60–70% of your portfolio to equity investments.

Equity provides inflation-adjusted returns over time.

Debt funds and fixed instruments safeguard against equity market volatility.

Estate Planning
Draft a will to allocate assets transparently among family members.
Use nomination and joint ownership to avoid legal complications.
Consider a family trust for farm lands to avoid disputes.
Periodic Review
Review your financial plan every six months.
Adjust investments based on market conditions, goals, and needs.
Consult a Certified Financial Planner regularly for updates.
Finally
A well-diversified portfolio ensures financial independence post-retirement. Focus on debt repayment, portfolio balance, and tax-efficient withdrawals. Your assets can comfortably generate Rs 3–4 lakh monthly income, adjusted for inflation.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Kanchan Rai |444 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Dec 21, 2024

Question by Kevin - Dec 19, 2024Hindi

Relationship

I am the eldest sibling in our families and aged 51. Normally, whenever anyone in the family has a problem - financial, mental, psychological, issue with people or anything else, they come up to discuss with me and share. Well, many would say I am lucky as people look up to me when they are in any kind of a problem. But that is not the case. Sadly no one is around with whom I can discuss or even think to share my issues, my problems. I do not have any friends. Sadly, yes, that is a fact and at my age, I dont expect that here we have a culture where we can get to making friends, at least the kind of friends with whom you can confide, share your feelings, problems. I tried and failed. Maybe because I am introvert or maybe I am too cautious. To make it more complicated, I dont work in the regular kind of job. I am a lone person who works as a freelance from home. This limits my outreach when it comes to interacting with real people. I have clients, business contacts, but I cannot get personal with them. It will never be a good choice. My wife is busy with her job + we do not have any relation beyond the daily matters related to household and it has been more than 10 years now that we live this way. Tried to sort out things with her but she just does not have time and interest (after all who wants to add on to tensions, stress). My daughter is after all my daughter - I cannot share these with her, and definitely at 10 she is too young to be one to discuss such stuff. I am not sure how far this issue can be fixed but I am hopeful to find some path here.

Ans: Dear Kevin,
Starting small can be helpful. Consider connecting with people through shared interests or hobbies, either online or in person, where the pressure to immediately open up is minimal. Online communities, local meetups, or volunteer activities can create low-stakes opportunities to connect with like-minded individuals. The goal isn’t to instantly find someone to confide in but to slowly build a sense of belonging and companionship.

Your relationship with your wife appears to be another significant source of emotional distance. While her lack of interest in deep conversations may seem like a barrier, it’s worth exploring other ways to reconnect—perhaps by spending time together in shared activities or revisiting moments that once brought you closer. Sometimes, relationships stuck in routines benefit from new experiences or even professional counseling to navigate the underlying dynamics.

Regarding your daughter, while it’s clear she cannot shoulder your emotional burdens, she can still be a source of joy and connection. Investing time in activities with her can provide a sense of fulfillment and grounding that counters loneliness.

Above all, remember that reaching out for professional support, such as therapy, is not a sign of weakness but an act of self-care. A therapist can provide a safe space to express your feelings and help you develop strategies to foster deeper connections and manage emotional isolation.

You deserve to feel supported and connected, and even if the journey to finding that seems long, every step you take toward opening up or seeking out others is a move toward a more fulfilling and less lonely existence.

T S Khurana |260 Answers |Ask -Follow

Tax Expert - Answered on Dec 21, 2024

Asked by Anonymous - Nov 22, 2024Hindi

Money

My Question is for New Tax Regime for Financial Year 2024 – 25. Total gross Income is Rs.9 lakhs and along with that income from share / stock trading i.e short term gains of Rs. 1 lakh. Could you please help me advise if what would be the tax liability?

Ans: 01. Considering your Income of Rs.9.00 lakhs as business income & Rs.1.00 lakh as STCG on securities, without any tax savings, your tax liability would be around Rs.62,400.00 in New tax regime. If we opt for the old tax regime, your tax liability would be much more than this.
Most welcome for any further clarifications. Thanks.

T S Khurana |260 Answers |Ask -Follow

Tax Expert - Answered on Dec 21, 2024

Question by SA - Nov 11, 2024Hindi

Money

I got a residential property through will from my mother,,property is 30 years old and i am planning to sell it, in that case i am going to get Rs 165lacks,, what will be the tax implication and how to avoid the same kindly advise i am 55 years old married man with a daughter

Ans: 01. In this case, you would be subjected to LTCG (Long Term Capital Gain) tax.
02. To work out LTCG, you should reduce its Cost from the Sale proceeds (Rs.165.00 lakhs).
of property, which was costed to your mother.
03. However, following details may help you to assess your tax liability.
Under present provisions of Income Tax Act, you may opt any of the options (Long Term
Capital Gains), as under :
(a). Tax Rate 12.50% without indexation or
(b). Tax Rate of 20% with Indexation.
04. You may calculate your tax liability under both options & may opt for the tax regime, where tax liability is minimum.
05. To avoid tax, you may invest in purchase of some house property. Exemption available would be minimum of Cost of new house property or the LTCG, which ever is less.
06. You have the option to purchase Capital Gain Bonds of NHAI etc., for tax saving.
07. Most welcome for any further clarifications. Thanks.

T S Khurana |260 Answers |Ask -Follow

Tax Expert - Answered on Dec 21, 2024

Asked by Anonymous - Dec 19, 2024Hindi

Money

Hello Sir, I worked in a Pvt Ltd company from 2006 to 2011, and they had their own PF trust. The company was later sold off to another firm. I still haven't withdrawn the my PF amount. How will i be able to do that. I have the PF number and ESP number. Since this was before 2011 , my UAN is not linked to this account. How will i be able to retrieve my PF amount that is still stuck here.

Ans: Kindly keep in touch with your previous employer (present owner of the company), in this connection. There should not be any problem in getting your PF amount, except certain formalities/ forms to be submitted.
Most welcome for any further clarifications. Thanks.

T S Khurana |260 Answers |Ask -Follow

Tax Expert - Answered on Dec 21, 2024

Asked by Anonymous - Dec 21, 2024Hindi

Money

Dear Guru. I have inherited a property in Mumbai from my deceased father which was purchased in 1983 by him. If today i sell the property which is worth 2.60 Crs whats my capital gains tax and how will it be calculated

Ans: 01. In absence of exact figures, it is not possible to calculate your Capital Gains Tax. However, following details may help you to assess your tax liability.
02. Under present provisions of Income Tax Act, you may opt any of the options (Long Term
Capital Gains), as under :
(a). Tax Rate 12.50% without indexation or
(b). Tax Rate of 20% with Indexation.
03. You may calculate your tax liability under both options & may opt for the tax regime, where tax liability is minimum.
04. Most welcome for any further clarifications. Thanks.

Ramalingam Kalirajan |7290 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Dec 21, 2024

Question by Anil - Dec 20, 2024Hindi

Money

Top4 sips with 15k amount suggest me

Ans: Here’s an updated strategy for your Rs. 15,000 SIP allocation, replacing the sectoral/thematic fund with a small-cap fund for better long-term growth potential.

Suggested SIP Allocation (Rs. 15,000)
Large-Cap Fund

Allocation: Rs. 4,000/month
Objective: Stability and steady growth by investing in India’s top 100 companies.
Why Choose: Provides consistent returns and low volatility in your portfolio.
Flexi-Cap Fund

Allocation: Rs. 4,000/month
Objective: Diversified exposure across large, mid, and small-cap stocks.
Why Choose: Offers balanced risk and returns with flexibility during market cycles.
Mid-Cap Fund

Allocation: Rs. 3,500/month
Objective: Tap into the growth potential of medium-sized companies.
Why Choose: Higher returns with manageable risk compared to small caps.
Small-Cap Fund

Allocation: Rs. 3,500/month
Objective: Focus on fast-growing small-cap companies.
Why Choose: High-growth potential over the long term, though with higher volatility.
Why Include Small-Cap Funds?
Long-Term Growth: Small-cap companies have immense potential to grow significantly over time.
Diversification: Adds exposure to an underrepresented segment, complementing large and mid-caps.
High Returns: Potential for higher returns compared to other categories, albeit with higher risk.
Key Considerations
Investment Horizon: Stay invested for at least 7-10 years to mitigate short-term volatility.
Active Fund Management: Avoid direct or index funds to leverage professional expertise.
Regular Monitoring: Review fund performance periodically with a Certified Financial Planner.
Tax Implications
Equity Funds:
LTCG above Rs. 1.25 lakh/year taxed at 12.5%.
STCG (held less than 1 year) taxed at 20%.
Final Insights
This updated allocation ensures a mix of stability, moderate risk, and high growth. With consistent SIPs and periodic reviews, you can achieve robust wealth creation over the long term. A Certified Financial Planner can assist in optimising your investment strategy.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

See more questions »

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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