How can I retire with a monthly income of 10 lakhs at 50, with a current salary of 1.5 lakhs?

Ans: You're on the right track by investing through SIPs and the SSY plan for your children's future needs. To achieve a retirement income of ?3 lakhs per month at age 55, consider increasing your monthly investment amount and diversifying your portfolio across various asset classes. Alongside equity mutual funds, consider investing in debt funds, PPF, and NPS for a balanced portfolio. Regularly review and adjust your investments based on market conditions and your financial goals. Consulting a financial advisor can help you create a personalized retirement plan aligned with your income requirements and retirement goals.

Ans: It shows you are thinking ahead for your family and future. That itself is a great start.

Let’s break this down step by step.

 

Retirement Planning – 10 Years Away
 

You want Rs.5 crore in 10 years.

 

You are already investing Rs.25,000 monthly through SIPs. This is a good habit.

 

But just investing isn’t enough. The amount, fund selection, and review also matter.

 

Rs.5 crore is a big target. It needs a solid, focused investment plan.

 

You need to check whether Rs.25,000 per month is enough for this goal.

 

Based on typical growth rates, it may fall short. We need to increase SIPs gradually.

 

A Certified Financial Planner can help assess the exact shortfall. Then a step-wise plan can be made.

 

Your retirement plan should not depend on land. Land is not liquid. Selling it can take time.

 

Continue SIPs and increase it by 10% every year. That helps stay ahead of inflation.

 

Actively managed mutual funds should be selected. They give a better edge with expert fund manager decisions.

 

Index funds lack flexibility. They copy the index. No chance to beat the market.

 

With actively managed funds, the fund manager reacts fast to changes. That is an advantage.

 

Asset allocation should be reviewed every year. Rebalancing keeps the risk in control.

 

Keep a separate portfolio for retirement. Do not mix children’s education goal with this.

 

Children’s Education Planning
 

Your children are now in 6th and 8th grades.

 

In 6–8 years, you’ll need funds for their higher education.

 

Education costs are rising sharply. This cannot be ignored.

 

Start separate SIPs for their education goal now.

 

Do not depend on money-back policies for education.

 

These give low returns. Hardly beat inflation. Not suitable for education needs.

 

Surrender these policies. Reinvest the proceeds into mutual funds.

 

A Certified Financial Planner can guide on which policies to surrender and how.

 

Use mutual funds for better returns and flexibility.

 

Choose a mix of equity and balanced funds. This gives better growth with some safety.

 

Review this portfolio every year. Make changes if fund performance drops.

 

Never use retirement funds for education or other goals.

 

Keep clear boundaries between each financial goal.

 

Insurance Assessment – Life and Health
 

You have Rs.60 lakh term insurance. It is a good starting point.

 

But is it enough? Likely not.

 

A person at age 46 with children and a Rs.5 crore retirement goal needs more cover.

 

Term cover must be at least 12–15 times your annual income.

 

It should also cover children’s education and liabilities.

 

Top up your term insurance with an additional Rs.40–50 lakh at least.

 

Premiums are still manageable at your age.

 

Avoid ULIPs or money-back plans for life cover. They mix insurance and investment.

 

You have Rs.5 lakh health insurance. That is a positive step.

 

However, with rising medical costs, it is not enough.

 

Add a super top-up policy of Rs.10–15 lakh. It is cost-effective and gives added protection.

 

Ensure the entire family is covered under the policy.

 

Also keep some emergency fund in liquid funds for minor health expenses.

 

Emergency Fund and Contingency Planning
 

An emergency fund gives peace of mind.

 

It should cover at least 6 months of expenses.

 

Keep this in a liquid mutual fund or savings account.

 

Never invest emergency funds in equity or land.

 

Refill the fund if you use it anytime.

 

Existing Land Investment
 

You mentioned buying land two years ago.

 

It can be a personal asset. But not an investment.

 

Land does not generate regular income.

 

Selling land can take time. Liquidity is low.

 

Do not depend on land for your retirement or education goals.

 

Do not count land value in your net worth for investment planning.

 

Keep it as a reserve or personal utility asset only.

 

Money-Back Policies – Action Plan
 

You have Rs.5–8 lakh in money-back policies.

 

These offer low returns. Do not help in long-term wealth creation.

 

It is best to surrender these now. Don’t wait.

 

Reinvest that money into mutual funds through a Certified Financial Planner.

 

Use regular plans through MFDs. They offer continuous support and monitoring.

 

Direct mutual funds offer no guidance. That leads to mistakes and poor returns.

 

Regular funds give access to a CFP’s review and hand-holding.

 

Small cost difference, but better long-term results.

 

SIP Management – Next Steps
 

You are already investing Rs.25,000 monthly. That is commendable.

 

Increase it every year. This is called SIP step-up.

 

If your income rises, increase SIPs by 10–15% yearly.

 

This one habit helps you reach goals faster.

 

Choose 4–5 diversified equity funds. Review them every 6 months.

 

Use funds with consistent track records and experienced managers.

 

Avoid index funds. They are passive. No fund manager input.

 

Actively managed funds offer better opportunities.

 

Tax Planning – For Today and Tomorrow
 

Make use of Section 80C for tax savings. SIP in ELSS can help here.

 

Avoid locking too much in PPF or NSC. They are not flexible.

 

For capital gains tax, keep new rules in mind.

 

If you sell equity funds, gains above Rs.1.25 lakh are taxed at 12.5%.

 

If sold before 1 year, gains are taxed at 20%.

 

For debt funds, all gains are taxed as per your income slab.

 

Always check tax implication before switching or redeeming funds.

 

Goal-Based Investment Planning
 

Link each SIP to a specific goal.

 

One SIP for retirement.

 

One SIP for child 1 education.

 

Another SIP for child 2 education.

 

Do not combine goals. That leads to confusion later.

 

Clear goal tagging helps track progress.

 

A Certified Financial Planner can prepare this map for you.

 

Use colour-coded tracking for each goal.

 

Will, Nomination, and Estate Planning
 

Make a basic Will. Even if your assets are small today.

 

Nominate properly in every investment and insurance.

 

Review nominations every 2 years.

 

Teach your spouse the basics of your financial plan.

 

Keep one folder with all details – policies, accounts, mutual funds.

 

Inform your family where the file is kept.

 

Three Yearly Review System
 

Review your financial plan every year.

 

Do it with the help of a Certified Financial Planner.

 

Track SIP growth. Are goals on track?

 

Rebalance asset allocation if equity grows too much.

 

Check insurance covers every 2 years.

 

Update Will, nominations, and goals if needed.

 

Final Insights
 

You have taken important first steps. That shows awareness.

 

But awareness needs a plan to be successful.

 

Surrender low-yielding policies. Reinvest wisely.

 

Keep land aside. Do not count on it for goals.

 

Increase SIPs steadily. Choose only actively managed funds.

 

Use regular mutual funds through a Certified Financial Planner.

 

Protect family with higher life and health insurance.

 

Separate SIPs for each goal. Link every investment to a purpose.

 

Review your plan once every year. Adjust when needed.

 

Your dream of Rs.5 crore and children’s education is possible.

 

But you need focused, guided steps to reach there.

 

Best Regards,
 

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: You have taken a thoughtful approach to your finances.
Your consistency in SIPs and diversified investment efforts are truly appreciable.
Let’s assess your current investment pattern and guide you towards a Rs. 2 crore corpus by age 50.

» Understanding Your Goal and Timeline

– You are 36 now and want to reach Rs. 2 crore by age 50.
– That gives you 14 years to build your financial freedom corpus.
– This is a realistic and achievable goal with structured and strategic investing.
– You are already investing in the right direction. Only some fine-tuning is needed.

» Current Asset Overview

– Mutual Funds + Shares: Rs. 15 lakh
– PPF: Rs. 5.5 lakh (with Rs. 5,000/month ongoing)
– EPF: Rs. 5.72 lakh (Rs. 5,300/month contribution)
– Fixed Deposit: Rs. 2 lakh (emergency use only)
– SIP investments: Around Rs. 27,500/month
– Gold ETF: Rs. 3,000/month (part of SIP total)
– Insurance: Rs. 50 lakh term plan + Rs. 10 lakh health cover + corporate cover

This is a well-balanced base portfolio.
But a few adjustments can make it more future-ready.

» Review of SIP Portfolio

– You have selected diversified schemes across categories. That’s good.
– Let’s look at your SIP categories:

2 Flexi-cap funds (JM, Parag Parikh)

1 Small-cap fund (Nippon)

1 Mid-cap fund (Motilal Oswal)

1 Index fund (UTI Nifty 50)

1 ELSS (Aditya Birla)

1 Gold ETF

Some of these may overlap or dilute performance potential.

» Suggested SIP Corrections

– Avoid index funds like UTI Nifty 50.
– Index funds are passive. They cannot beat the market.
– Actively managed flexi/mid/small-cap funds have the edge in alpha creation.
– Instead of index funds, allocate that Rs. 4,000 to a diversified active fund.

– Your small-cap and mid-cap allocations are fine for long-term growth.
– But small-caps can be volatile. Don't increase beyond Rs. 5,000/month now.

– Two flexi-cap funds are slightly redundant.
– You can merge one and strengthen the one with better long-term performance.

– ELSS is fine if you need tax-saving under old regime.
– Else, no need to continue further ELSS SIPs.

– Gold ETF should be limited to 5-10% of total portfolio.
– Don’t increase monthly investment in gold beyond Rs. 3,000.
– Gold gives stability, not high returns.

» SIP Restructuring Plan (Suggestion Based)

Keep: Parag Parikh Flexicap (Rs. 4,500)

Keep: Nippon Small Cap (Rs. 5,000)

Keep: Motilal Oswal Midcap (Rs. 4,500)

Stop: JM Flexicap (Rs. 4,000)

Stop: UTI Nifty 50 (Rs. 4,000)

Continue ELSS only if using old tax regime (Rs. 2,500)

Keep Gold ETF (Rs. 3,000)

Redirect the freed Rs. 8,000 to a dynamic equity or balanced advantage fund

This will improve diversification and reduce overlap.
Balanced Advantage or Flexicap categories can manage volatility better.

» Regular vs Direct Fund Investing

– Always prefer investing through a Certified Financial Planner using regular funds.
– Direct funds have no personalised guidance, no rebalancing, no strategic review.
– Regular funds with expert help can improve discipline, reduce emotional decisions.
– A planner can also rebalance portfolio based on market cycles and life stages.

– Most investors in direct mode fail to book profit or manage risks.
– Regular route via MFDs with CFP credentials adds strategic value.

» Insurance Cover Adequacy

– You have a term plan of Rs. 50 lakh.
– This is on the lower side for your current age and salary.
– A term cover of Rs. 1 crore minimum is advised.
– This gives peace of mind to your family if any emergency happens.

– Health insurance cover of Rs. 10 lakh is decent.
– Good that you also have corporate mediclaim.
– Ensure your personal policy covers all family members.

» Emergency Fund Positioning

– Your Rs. 2 lakh fixed deposit is helpful for short-term needs.
– Ideally, you should keep 4 to 6 months of expenses as emergency corpus.
– This can be built in ultra short debt funds or arbitrage funds instead of FD.
– These offer better tax-adjusted returns than traditional FDs.

» PPF and EPF Role

– You are contributing Rs. 5,000/month in PPF and Rs. 5,300 in EPF.
– Both these are excellent for stable and tax-efficient compounding.
– But their returns are limited (around 7-7.5%).
– Continue both, but don’t over-invest in them.

– Use them for retirement or safety corpus.
– For wealth creation, your SIPs will drive better growth.

» Asset Allocation Strategy

– Currently, you have about 85% in equity, 10% in fixed income, 5% in gold.
– This is okay for your current age.
– Equity exposure can stay above 75% till age 45.
– After that, gradual shift to hybrid or debt instruments is advised.

– Maintain 5-10% gold.
– Maintain 10-15% fixed income including PPF, EPF, FD.
– Rest should go to equity mutual funds.

» Corpus Growth Estimation

– If you continue Rs. 27,000–30,000/month SIP for 14 years,
– And gradually increase it by 5% each year,
– You can realistically aim for Rs. 2 crore.
– The key is consistency and yearly review.

– If your income increases, boost SIPs further.
– Even an extra Rs. 2,000/month can make a big difference in long run.

» Tax-Saving and Strategy

– If you are under old regime, ELSS + PPF + EPF give Rs. 1.5 lakh deduction.
– If using new regime, ELSS may be skipped.
– Use PPF and EPF more as retirement instruments, not only tax-saving tools.

– Understand mutual fund taxation:
– For equity funds: gains above Rs. 1.25 lakh/year are taxed at 12.5% LTCG
– Short-term gains (less than 1 year) taxed at 20%
– Debt funds taxed as per your income slab, whether long or short term.

– Do annual harvesting of gains for better tax efficiency.
– A Certified Financial Planner can help execute this smartly.

» Avoiding Over-Concentration

– Try to limit schemes to 4–5 quality funds.
– Too many schemes dilute focus and create duplication.
– Stay away from overlapping sector or thematic funds.
– Don’t over-concentrate in small-cap or gold.

– Avoid investing in index funds due to their passive nature.
– Index funds can't manage risks during market fall.
– Active fund managers can shift sectors and protect downside.

» Risk Management and Review

– Review your funds every year.
– Look at consistency, risk-adjusted returns, and fund manager performance.
– Don’t chase top performers.
– Focus on long-term track record and category average.

– Rebalance every 2-3 years to keep your equity-debt-gold ratio in check.
– This ensures discipline and reduces emotional investing.

» Future Actions To Consider

– Increase term insurance to Rs. 1 crore.
– Strengthen emergency fund to 6 months of expenses.
– Align SIPs as suggested for better performance.
– Keep boosting SIPs yearly as income rises.
– Use regular funds through a Certified Financial Planner only.

– Avoid ULIPs, traditional insurance policies or direct stock bets for retirement.
– Mutual funds give better regulated, goal-linked growth.

» Finally

– Your Rs. 2 crore goal by 50 is within reach.
– You already have strong habits in place.
– Just a few adjustments can boost performance and reduce risk.
– Avoid unnecessary complexity.
– Keep asset allocation disciplined.
– Review and adjust every year.

You are on the right path. Stay focused.
Your financial freedom goal is truly achievable with your consistent actions.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Ans: You have shown excellent commitment towards your financial future. Your diversified savings and consistent monthly investing habits are truly admirable. You have built a strong base with EPF, NPS, mutual funds, and PPF at only 32. That shows foresight and financial discipline. Let us now analyse your overall plan in detail from a Certified Financial Planner’s perspective and see how to fine-tune it for better wealth creation and an early retirement between 50 and 60 years.

» Present Financial Snapshot

You are 32 years old with a monthly in-hand salary of Rs 1,00,000.

EPF accumulated is Rs 3.8 lakh with Rs 13,500 monthly contribution.

NPS accumulated is Rs 5.5 lakh with Rs 7,700 monthly contribution.

Mutual funds value is Rs 6.5 lakh with Rs 17,000 SIP.

Direct stock value is Rs 1.2 lakh with Rs 17,000 SIP.

PPF value is Rs 3.55 lakh with Rs 3,000 monthly.

Digital gold value is Rs 1 lakh with Rs 3,000 monthly.

Loan EMI is Rs 25,000 till August 2027.

Monthly expenses are Rs 33,000.

This means your total committed monthly outflow is around Rs 89,200 including EMI and investments. You are saving and investing nearly 65–70% of your take-home salary. That is an excellent savings ratio. However, there is a need to optimise asset allocation and fund structure for smoother long-term wealth creation.

» Evaluation of Existing Portfolio

Your EPF and NPS are good long-term retirement products. They provide stable, tax-efficient, and predictable growth. These form your low-risk retirement foundation.

Your mutual fund SIPs are spread across midcap, small-cap, flexi-cap, and ELSS categories. The diversification is fine, but all are direct plans. Direct funds have some disadvantages.

Direct plans require continuous tracking, fund switching, and risk management. They lack professional monitoring and rebalancing support. Without regular review, you may either stay in underperforming funds or miss better opportunities.

Investing through regular plans under a Certified Financial Planner or Mutual Fund Distributor helps you get professional guidance, continuous review, and portfolio realignment when market or fund performance changes.

Regular funds also help you avoid emotional mistakes like early redemption or frequent switching. Over long periods, the advisory support can deliver higher net returns even after small distributor commissions.

Hence, you may consider shifting your existing and future SIPs from direct to regular plans under a CFP-managed structure. This will help create discipline, review, and goal-based allocation.

» Analysis of Stock Investments

You are investing Rs 17,000 per month directly in large, mid, and small-cap stocks.

Direct stock SIPs require deep analysis, continuous tracking, and timely exit.

Without professional research, you may face higher volatility and emotional bias.

Individual stocks carry higher unsystematic risk than diversified mutual funds.

Since you already have exposure to equity through mutual funds, your direct stock SIP can be reduced to Rs 8,000–10,000 per month.

The balance Rs 7,000–9,000 can be redirected to well-managed diversified equity mutual funds or hybrid funds under professional supervision.

This will balance your equity exposure between active management and personal learning.

» Assessment of Gold and PPF Investments

PPF is a disciplined, long-term, and tax-free saving option. It ensures stable, fixed-income growth till 2037. Continue it till maturity. It will also give tax-free retirement corpus.

Your digital gold SIP is good for short-term liquidity, but gold is not a long-term wealth creator.

Gold should be less than 10% of your portfolio. You can use it for emergency needs or small-term goals but avoid increasing its allocation.

» Evaluation of NPS and EPF

Both NPS and EPF are government-backed, low-cost, and safe for retirement.

But NPS returns partly depend on market-linked funds. You can review your asset allocation inside NPS once a year. Maintain 60–70% in equity option (Active Choice) and the rest in government securities for long-term growth.

EPF will continue to earn around 8% average annual returns. Continue the contribution till retirement.

Combined, they will provide around 35–40% of your retirement income need.

» Analysing Mutual Fund Categories

Your mutual funds include mid-cap, small-cap, flexi-cap, and ELSS. The mix is tilted more towards mid and small-cap, which are volatile.

At age 32, you can take moderate-high risk, but not extreme.

You should rebalance to keep large-cap and flexi-cap together at around 60%, and mid/small-cap together at around 40%.

ELSS can be continued for tax saving till your taxable income requires it.

You should add one or two multi-asset or balanced advantage type funds under regular plans. This will stabilise returns and reduce stress during market falls.

Review your SIP portfolio once a year with a Certified Financial Planner for performance-based reshuffling.

» Managing Debt and EMI

You are paying Rs 25,000 EMI till August 2027. That is around 30 months away.

Once the loan closes, redirect the same Rs 25,000 per month into long-term mutual funds under your retirement goal.

This step will instantly raise your total monthly investment from Rs 47,000 to Rs 72,000, boosting your retirement corpus sharply.

Avoid taking any new loan till this one is closed.

» Protection Review

You have group medical coverage of Rs 3 lakh and a company accident cover of Rs 37 lakh.

These are helpful but not enough. Group insurance may lapse when you change or leave job.

You should buy one individual health insurance policy of at least Rs 10 lakh for self from your own side.

This will provide continuous protection even after retirement or job change.

Your term life cover of Rs 37 lakh is moderate. Since you are single now, it may be sufficient. But when you marry or have dependents, increase it to at least Rs 1 crore.

Avoid combining investment and insurance. Pure term plan and separate investments work best.

» Emergency Fund Planning

You mentioned digital gold for emergencies. Gold prices can fluctuate, so it is not always liquid at the right value.

Maintain at least Rs 2–3 lakh as a separate emergency fund in a high-interest savings or liquid fund.

This should cover 4–6 months of your expenses.

This will help you avoid premature redemption of your long-term mutual funds during emergencies.

» Tax Efficiency Assessment

You are already saving tax through EPF, NPS, and ELSS. That covers Section 80C and 80CCD limits.

PPF also helps in tax-free accumulation.

For additional saving, you can claim benefit under Section 80D for personal health insurance premium.

Avoid over-investing only for tax saving. Focus more on long-term growth and goal-based investment.

» Creating Roadmap for Early Retirement

You want to retire between 50 and 60 years. That gives you 18–28 years time.

Your current total monthly investment is around Rs 47,000 (excluding loan EMI).

If you keep investing Rs 47,000 till age 50 and increase by 5–10% every year, you can create a large corpus.

When your loan ends, your investable surplus will rise sharply. Redirecting EMI into investments will help you retire early comfortably.

Your EPF, NPS, PPF, and mutual funds together will create a balanced combination of fixed and market-linked income.

Plan for 70% corpus in equity mutual funds, 20% in fixed income (EPF, PPF), and 10% in gold or hybrid funds.

This mix can provide both growth and safety.

» Performance Review and Periodic Rebalancing

Review your portfolio every 12 months with a Certified Financial Planner.

Rebalance your asset mix if equity becomes more than 75% or falls below 60%.

Shift from mid/small-cap to large-cap gradually as you near age 45–50.

This will protect your corpus from sharp market falls during pre-retirement years.

Avoid checking daily NAVs or stock prices. Keep focus on long-term growth.

» Understanding Disadvantages of Index Funds

Many investors believe index funds are cheaper and safer. But they have limits.

Index funds only copy market indexes without trying to outperform.

During market corrections, index funds fall exactly like the market.

Actively managed funds can reduce downside by moving to cash or defensive sectors.

Index funds also give higher weight to overvalued stocks because they follow market capitalisation.

In India, experienced active fund managers have consistently delivered better returns than index funds over long periods.

Therefore, continue with active, well-managed mutual funds through regular plans instead of passive index options.

» Improving Portfolio Discipline

Continue SIPs regularly without breaks.

Increase SIP amounts by 5–10% every year when your salary increases.

Avoid stopping SIPs during market volatility. Falls are opportunities for higher future returns.

Maintain all investments under one goal sheet – early retirement, home, and long-term wealth.

Use professional monitoring under a CFP for goal-based tracking and correction.

» Long-Term Strategy till Age 50–60

Build a three-layer approach.

First layer: EPF, NPS, and PPF for secure retirement income.

Second layer: Equity mutual funds for growth and wealth creation.

Third layer: Liquid fund and gold for emergency and short-term needs.

Keep increasing exposure to hybrid and balanced funds after age 45.

Avoid new experimental assets like crypto, PMS, or unregulated products.

Follow the principle – “Consistency beats complexity.”

» Steps to Strengthen Future Wealth Creation

Convert direct mutual funds to regular mode under a CFP-managed structure.

Reduce direct stock SIP to 8–10k per month and shift the rest to mutual funds.

Continue PPF and EPF till retirement.

Buy one personal health insurance cover.

Create an emergency fund separately.

Avoid any new loans and finish current EMI by 2027.

Reinvest EMI amount into mutual funds from 2027 onwards.

Review and rebalance portfolio every year.

Maintain long-term vision and avoid chasing short-term profits.

» Finally

You have done a wonderful job by building such a disciplined financial base at a young age. Your savings ratio, diversified portfolio, and steady investment habits show strong financial maturity. You only need small corrections – shifting from direct to regular mutual funds, balancing risk between stocks and funds, and adding personal health cover. These adjustments will help you achieve financial freedom comfortably between age 50 and 60.

Keep your focus on long-term growth and regular review. With this disciplined approach, you will enjoy both wealth and peace in the years ahead.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

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

Ans: Hi Vijay,

You are right in saying that there is no job security. One needs to be prepared for times ahead.

- PF - continue this investment.
- PPF - not of use to you, hence contibute bare minimum of 500 only once a year to keep the account active. Instead redirect the 12.5k monhly to aggressive mutual funds tto build wealth.
- FD - for emergecny fund - good hold.
- LIC and Tata AIA - policies like these are of no use , usually give 4-5% return and lock your money. Try to surrender if not at loss and reinvest into balanced funds.
- MF - current SIP 48k with total corpus of 8.5 lakhs till now. The current funds are average and overlapping. Need reallocation. And want to take your monthly investment to 60k.

Consider investing in 4 funds - 1 largecap, 1 midcap, 1 smallcap and 1 flexicap - 15k each.

If you decide to stop PPF contribution and LIC tata policies - redirect those 20.5k per month to momentum funds.

Achieving it fast is very tough. Slowly and consistently - you can achieve this target of 5 crores in next 14 years with 10% annual stepup. And if you add additional 20.5k per month into contribution, this can be achieved in 12.5 years.

You can also a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/