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Ramalingam Kalirajan  |10031 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 03, 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 - Jul 03, 2024Hindi
Money

Hello Sir - I am planning to open a minor account for my daughter in Zerodha with a 1 L corpus. Please advise what is the best way to invest this money in MF's or stocks. This is for long term. Thanks and Regards.

Ans: That’s a wonderful step you're planning for your daughter’s financial future. Starting early can set her up for success. Investing Rs 1 lakh for the long term is a wise decision. Let’s explore the best ways to invest this money in mutual funds (MFs) or stocks.

Mutual Funds: A Versatile Investment Option
Mutual funds are ideal for long-term investments. They pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, and other securities. Let’s explore why mutual funds can be a great choice:

Advantages of Mutual Funds
Professional Management: Certified fund managers handle mutual funds. They have the expertise to make investment decisions on your behalf. This can lead to better returns compared to individual stock picking.

Diversification: Mutual funds invest in a variety of securities. This diversification reduces risk since your investment is not dependent on the performance of a single stock.

Liquidity: Mutual funds can be easily bought or sold, providing flexibility. However, it’s best to stay invested for the long term to realize significant gains.

Affordability: You can start investing in mutual funds with small amounts. This feature is perfect for building wealth over time through systematic investment plans (SIPs).

Tax Efficiency: Long-term capital gains from equity mutual funds are taxed at a favorable rate of 10% for gains over Rs 1 lakh per year. This can be beneficial for long-term investors.

Types of Mutual Funds
Equity Funds: These invest in stocks and have the potential for high returns. They are suitable for long-term goals but come with higher risk. For your daughter, equity funds can provide significant growth over the years.

Debt Funds: These invest in fixed-income securities like bonds. They are less risky but offer lower returns compared to equity funds. They can be part of a balanced portfolio to reduce overall risk.

Hybrid Funds: These funds invest in a mix of equities and debt. They offer a balance between risk and return. Hybrid funds can be a good option if you seek moderate growth with some stability.

Thematic and Sector Funds: These invest in specific sectors like technology or healthcare. They can provide high returns but come with increased risk. They are suitable for investors who understand the sector well.

Power of Compounding
One of the greatest advantages of investing in mutual funds for the long term is the power of compounding. By reinvesting your returns, your investment grows exponentially over time. This compounding effect can significantly increase your wealth if you start early and stay invested for a long period.

Active vs. Passive Funds
While passive funds like index funds are popular, they track a market index and do not aim to outperform it. Actively managed funds, on the other hand, have the potential to generate higher returns as fund managers actively select and manage the fund’s portfolio. Given that you seek growth, actively managed funds might be more suitable for achieving higher returns.

Disadvantages of Direct Platforms
Many investors consider using direct platforms for investing in mutual funds. However, these platforms often lack personalized investment guidance. They recently faced issues with same-day NAV allocation, which can be frustrating. Moreover, the absence of a dedicated advisor means you miss out on expert advice for tailoring your investment strategy to your goals.

Why Regular Funds through a Certified Financial Planner (CFP)?
Investing in regular funds through a Mutual Fund Distributor (MFD) with CFP credentials can provide valuable benefits:

Personalized Advice: A CFP can help you select the right funds based on your financial goals and risk appetite. They offer expert guidance tailored to your unique situation.

Ongoing Support: With a CFP, you get continuous support and advice. They can assist you with rebalancing your portfolio, tax planning, and navigating market changes.

Convenience: Investing through a CFP ensures your investment process is smooth and hassle-free. They handle all the paperwork and administrative tasks for you.

Stock Investments: High Potential, Higher Risk
Investing in stocks can offer substantial returns, but it comes with higher risks. Here’s a closer look at the pros and cons of stock investments:

Advantages of Stock Investments
High Return Potential: Stocks have historically provided higher returns compared to other asset classes. Investing in the right companies can lead to significant wealth creation.

Ownership in Companies: By buying stocks, you own a part of the company. This ownership can bring dividends and capital appreciation as the company grows.

Liquidity: Stocks can be easily bought and sold on the stock market. This liquidity allows you to quickly access your funds if needed.

Disadvantages of Stock Investments
Volatility: Stock prices can be highly volatile. Market fluctuations can lead to significant short-term losses, which might be challenging to manage emotionally.

Requires Knowledge and Research: Successful stock investing demands thorough research and understanding of the market. It’s time-consuming and requires a good grasp of financial principles.

Risk of Loss: There’s always a risk of losing your entire investment in stocks, especially if the company performs poorly or the market crashes.

Long-term Perspective
For your daughter’s long-term financial goals, stocks can be a part of the portfolio, but it’s crucial to approach with caution. Diversification and selecting fundamentally strong companies can mitigate risks.

Combining Mutual Funds and Stocks
A balanced approach can be to invest in both mutual funds and stocks. Here’s how you can do it:

Core-Satellite Strategy
Core Portfolio: Allocate a significant portion of your investment to mutual funds. This core portfolio will provide stability and long-term growth through professional management and diversification.

Satellite Portfolio: Use a smaller portion for direct stock investments. This satellite portfolio can aim for higher returns by investing in selected stocks based on your research and risk appetite.

Systematic Investment Plan (SIP)
Consider starting a SIP for the mutual funds portion. SIPs allow you to invest a fixed amount regularly, averaging out market volatility and compounding your returns over time. They are a disciplined way to build wealth gradually.

Investing through direct digital platforms like Zerodha has become increasingly popular due to their low-cost structure and ease of access. However, there are several challenges associated with these platforms, particularly when it comes to long-term investments like those for your daughter. Here’s a detailed look into these challenges and why investing through a Mutual Fund Distributor (MFD) with Certified Financial Planner (CFP) credentials can be a better option.

Challenges in Investing through Direct Digital Platforms
Limited Investment Guidance
Lack of Personalized Advice: Direct platforms typically provide a vast array of funds and stocks but little to no guidance on which to choose. For novice investors or those without deep financial knowledge, this can be overwhelming and confusing.

No Tailored Strategies: Every investor has unique financial goals and risk tolerances. Direct platforms often lack the ability to tailor investment strategies to individual needs. This gap can lead to suboptimal investment decisions that might not align with your long-term goals.

Absence of Professional Support: While direct platforms might have basic customer support, they generally don’t offer professional financial advice. This absence can be a significant drawback when it comes to making informed investment decisions and managing your portfolio effectively.

Operational Issues
Same-Day NAV Allocation Issues: Recently, direct platforms like Zerodha have faced problems with same-day NAV (Net Asset Value) allocation. This issue can affect the timing of your investments and redemptions, potentially leading to unexpected outcomes or missed opportunities. For instance, if you place an order expecting it to be executed at the NAV of that day but it gets delayed, you might end up buying or selling at a different price than intended.

System Downtimes and Delays: Like any digital platform, direct investment portals can experience technical glitches or downtimes. These interruptions can prevent you from executing trades or accessing your account when needed. This is particularly concerning during volatile market conditions when timely decisions are crucial.

Complexity and Lack of Support
Navigating the Platform: Although digital platforms are user-friendly, they can still be complex for those not well-versed in investment jargon or processes. This complexity can deter new investors from making confident decisions or fully understanding their investments.

DIY Approach: Direct platforms encourage a do-it-yourself (DIY) approach to investing. While this empowers investors to take control, it also means they need to stay updated on market trends, fund performance, and economic indicators. This continuous monitoring and decision-making can be time-consuming and stressful.

No Investment Education: Direct platforms rarely offer in-depth educational resources or training for investors. This lack of educational support can lead to poor investment choices and missed opportunities for portfolio optimization.

Transactional Focus
Focus on Buying and Selling: Direct platforms are primarily designed for executing transactions. They excel in helping users buy or sell mutual funds and stocks but often do not emphasize portfolio management or long-term financial planning. This transactional focus can result in a fragmented approach to investing without a coherent strategy.

Insufficient After-Sales Service: Post-purchase support is limited on direct platforms. If you encounter issues with your investments or need advice on portfolio rebalancing, you may find it challenging to get the help you need.

Benefits of Investing through a Mutual Fund Distributor (MFD) with CFP
Given the challenges associated with direct platforms, working with an MFD who is also a Certified Financial Planner (CFP) can offer significant advantages:

Comprehensive Financial Planning
Holistic Approach: A CFP takes a holistic view of your financial situation. They consider your income, expenses, risk tolerance, and future goals to create a comprehensive investment plan. This approach ensures that your investments align with your overall financial strategy.

Goal-Based Planning: CFPs help you define and prioritize your financial goals. Whether it’s saving for your daughter’s education or planning for retirement, they design investment strategies that cater to these specific objectives.

Regular Review and Adjustment: Markets and personal circumstances change over time. A CFP regularly reviews your portfolio and makes necessary adjustments to keep you on track towards your goals. This dynamic management helps optimize your returns and mitigate risks.

Personalized Advice and Support
Customized Fund Selection: Based on your risk profile and financial goals, a CFP recommends funds that best suit your needs. This personalized advice can lead to better fund selection compared to picking funds on your own through a direct platform.

Ongoing Support and Guidance: Unlike direct platforms, an MFD with CFP credentials provides continuous support. They offer advice on when to buy, hold, or sell investments and guide you through market ups and downs.

Educational Insights: CFPs educate you about different investment options and strategies. This empowerment helps you make informed decisions and feel confident about your financial future.

Efficient and Hassle-Free Process
Streamlined Processes: Working with an MFD means they handle the administrative tasks for you. From account opening to fund transfers, they ensure a seamless and hassle-free experience.

Access to Expert Tools and Resources: MFDs often have access to advanced tools and resources for portfolio analysis and risk assessment. These tools provide deeper insights into your investments and help optimize your portfolio.

Peace of Mind: Knowing that a professional is managing your investments gives you peace of mind. You can focus on your personal and professional life without constantly worrying about your portfolio.

Superior Returns Potential
Active Fund Management: MFDs typically recommend actively managed funds that aim to outperform market indices. These funds, managed by experienced professionals, can potentially offer higher returns compared to passively managed index funds available on direct platforms.

Risk Management: A CFP’s expertise in risk assessment helps protect your portfolio from market volatility. They diversify your investments across asset classes to reduce risk and enhance returns.

Long-Term Focus: CFPs emphasize long-term wealth creation. They discourage impulsive decisions based on short-term market movements and keep you focused on achieving your financial goals.

Making the Right Choice for Your Daughter’s Future
Investing Rs 1 lakh for your daughter’s future is a significant decision. While direct digital platforms like Zerodha offer convenience and low costs, they come with limitations that might not align with your long-term investment goals. The challenges of limited guidance, operational issues, and a transactional focus can impact your investment experience and outcomes.

On the other hand, investing through an MFD with CFP credentials provides personalized advice, comprehensive financial planning, and ongoing support. This professional approach ensures that your investments are tailored to your needs and managed effectively over time. By choosing to work with a CFP, you gain access to expert guidance, superior fund selection, and a stress-free investment process.

Your daughter’s future deserves the best financial planning and investment strategy. By making informed choices and leveraging professional expertise, you can build a robust portfolio that grows with her and supports her dreams.

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

Ramalingam Kalirajan  |10031 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 01, 2025

Asked by Anonymous - Jul 13, 2025Hindi
Money
I am 42 yr old. Have rental income 1.2 lakhs per month. I have dept of 26 lakhs as home loan. 15 L in MF, 14 L in PPF, 5 acre land which is giving 1 L per year. Epf 35 L. I want to generate 2.5 L per month after 8 yeats and retired. I can sabe 1L per month during this 8 years. Please suggest how can i target 2.5 l per month after 8 years.
Ans: You have built a very solid base. Regular income, assets, EPF, and savings ability are strong. Your clarity on retirement at 50 and income target is very helpful. That’s a very realistic and reachable target with careful planning.

Let us now evaluate and structure your plan in a 360-degree view.

» Monthly Income and Debt

– You earn Rs.1.2 lakh monthly from rent
– Your home loan outstanding is Rs.26 lakh
– Check your loan interest rate.
– If high, you may try to refinance or prepay partly
– Don’t rush to close the loan. Low-cost loans can stay longer
– Instead, invest your savings for higher growth over 8 years
– Let your investment returns beat the loan rate gradually

» Existing Mutual Fund Investments

– You have Rs.15 lakh in mutual funds
– Keep them invested. Don’t redeem early
– Review your fund quality with a Certified Financial Planner
– Stay invested in regular mutual funds via MFD under CFP guidance
– Don’t go for direct mutual funds
– Direct plans miss professional review, tracking, and course correction
– Regular plan with CFP support gives strategy, timing, and goal focus
– Use a diversified mix of equity and balanced mutual funds
– Rebalance yearly with your CFP to match risk and goals

» Avoid Index Funds

– Index funds are passive and follow the market
– They don’t protect your downside in bad markets
– No fund manager means no active planning
– They also don’t suit near retirement phase
– Your goals need better control and tailored returns
– Choose only actively managed mutual funds with CFP support
– Active funds adjust portfolio based on markets, economy, and valuations

» PPF and EPF Holdings

– PPF balance is Rs.14 lakh
– EPF is Rs.35 lakh, which is substantial
– PPF will mature once 15 years complete
– These give fixed but limited returns
– Don’t increase exposure here further
– Returns won’t beat inflation in long term
– Keep them for safety but don’t rely on them fully

» Agricultural Land

– You have 5 acres giving Rs.1 lakh annually
– Keep land for emotional or family reasons if needed
– Don’t depend on it for main retirement income
– Returns from land are low and inconsistent
– It lacks liquidity and is hard to monetise quickly
– Real estate value appreciation is unpredictable
– Avoid further land buying or development for income

» Debt Repayment Plan

– Your home loan is Rs.26 lakh
– Avoid full prepayment now unless interest is above 9%
– If loan is affordable, focus more on investing
– Use EMI benefits for tax reduction till 60
– If surplus is available, part prepay 10%-15% once in 2-3 years
– Use windfalls or bonus income to reduce principal slowly
– Don’t use mutual fund corpus to repay loan now

» Monthly Saving Ability

– You can save Rs.1 lakh monthly for next 8 years
– This is a big strength
– With this discipline, you can create strong wealth
– Begin SIPs in 5-6 good mutual funds via regular plan
– Allocate major part to equity mutual funds
– Keep some in balanced or dynamic funds
– Increase SIPs by 10% every year if possible
– Top-up SIPs help combat inflation

» Asset Allocation Strategy

– You already have EPF and PPF as safe options
– New monthly SIPs should target higher equity exposure
– Around 70%-80% in equity funds and balance in hybrid funds
– This will help wealth compound better in 8 years
– Too much safety will reduce your returns
– Your CFP can adjust allocation yearly as you approach age 50

» Target Retirement Income Plan

– Your goal is Rs.2.5 lakh monthly income after 8 years
– That’s about Rs.30 lakh per year
– After retirement, you can withdraw from mutual funds smartly
– Systematic Withdrawal Plan (SWP) can help generate monthly cash flow
– Equity mutual funds give better post-tax income via SWP
– After age 50, shift part of equity to hybrid and debt funds
– Your CFP will guide reallocation for smoother post-retirement income

– Equity mutual fund SWP taxation:

LTCG above Rs.1.25 lakh taxed at 12.5%

STCG taxed at 20%

– Debt mutual fund SWP:

Taxed as per your income slab

– Plan redemptions after retirement as per tax-efficient withdrawal strategy

» Emergency Fund and Risk Management

– Keep 6 months expenses in liquid mutual funds
– Avoid using PPF or EPF for emergency
– Emergency fund must be quickly accessible
– Refill emergency fund if used anytime
– Also buy pure term life insurance if not already done
– Medical insurance for self and family is also a must
– Don’t depend on employer coverage alone

» Inflation Impact and Income Protection

– Your monthly income target must consider inflation
– Today’s Rs.2.5 lakh may need Rs.3.5 lakh after 8 years
– Invest aggressively for now, and then shift gradually to safety
– Don’t chase short-term performance
– Long-term investing gives more stable wealth
– Stay disciplined and let compounding work

» Avoid Insurance Investment Products

– Don’t buy ULIPs or endowment plans for retirement
– They offer poor return, low flexibility
– Only term plan is needed for protection
– If you already hold ULIPs or endowment, consider surrendering
– Reinvest surrender value into equity mutual funds
– Insurance and investment must stay separate

» Review and Monitor Annually

– Track fund performance every 12 months
– Don’t make frequent changes
– Review goals, income, and fund health with CFP
– Make changes slowly and logically
– Emotional investing can damage long-term outcomes
– Avoid timing the market or reacting to noise

» Income Streams After Retirement

– Your rental income of Rs.1.2 lakh can continue after retirement
– With SWP from mutual funds, aim to generate another Rs.1.3 lakh
– EPF can give lump sum support if kept untouched till 50
– Avoid withdrawing EPF now
– Use it post-retirement gradually if needed
– Don’t buy pension plans or annuities for income

» Will and Nomination Planning

– Prepare a proper Will before age 50
– Add nominations in all MF, PPF, EPF, and bank accounts
– Land should also be clearly documented and inherited properly
– This helps your family in smooth asset transfer
– Review nominations every 3-4 years

» Final Insights

– You are in strong financial health
– Continue Rs.1 lakh savings with discipline
– Avoid property investments or insurance-based products
– Focus on equity mutual funds through regular plan with CFP
– Track every year and take help to rebalance if needed
– Don’t disturb EPF or PPF till retirement
– Rental income + mutual fund SWP can meet your income goals
– Target asset value, not just monthly income

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

...Read more

Ramalingam

Ramalingam Kalirajan  |10031 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 01, 2025

Asked by Anonymous - Jul 13, 2025Hindi
Money
43yr, 7-8 lac per month. Plan to work till 60yr. One child6 yrs. SIP in MF 1.2 lac since 1 yr. Ppf maturing next year. Life insurance 2 cr. 2 house, few plots. Kindly advice how to invest my fund for maximum benifit in long term
Ans: You have already taken wise steps. Investing through SIP, having life cover, and PPF maturity next year show good discipline. Your income level gives strong potential for long-term wealth. With right planning, your goals can be met peacefully.

Let us structure the answer with a complete 360-degree assessment.

? Income and Savings Potential

– Monthly income of Rs.7-8 lakhs gives excellent saving ability
– Maintain at least 30%-40% of your income as regular investments
– Your current SIP of Rs.1.2 lakh per month is a good beginning
– There is room to gradually increase this by 10%-15% every year
– Avoid lifestyle inflation. Save first, then spend

? Existing SIP in Mutual Funds

– Continue SIPs in actively managed mutual funds through a Certified Financial Planner
– Don’t shift to direct mutual funds.
– Direct funds may look cheaper. But guidance is missing.
– Without CFP’s supervision, there is risk of poor fund selection
– Regular plan with CFP and MFD gives handholding, reviews, and corrections
– Professional advice helps in fund curation and rebalancing
– Regular plans can also help avoid emotional investing errors
– Don’t stop SIPs in correction phases. That’s when most wealth gets built

? Stay Away from Index Funds

– Index funds have low cost, but very little active strategy
– They mirror the market. They don’t protect from market falls
– No downside protection, no active reallocation in tough times
– Index funds lack fund manager’s expertise and judgment
– Active funds can outperform in sideways or volatile markets
– Stick to actively managed funds that are reviewed by your CFP

? PPF Maturity Next Year

– PPF maturity should be reinvested wisely
– Don't spend it unless it is for a goal
– Reinvest in long-term equity mutual funds via regular plan
– Discuss asset allocation with your CFP before reinvestment
– Avoid putting into fixed deposits or insurance-based schemes
– Consider staggering this lump sum in equity via STP over 12-18 months

? Life Insurance Cover – Review Needed

– Rs.2 crore cover is good. But may not be enough now
– With Rs.8 lakh income and child’s future expenses, a review is needed
– Ideally, have a cover of 15-20 times of annual income
– Go only for pure term insurance. No ULIPs or investment-based plans
– If you hold any ULIPs or endowment plans, consider surrendering
– Reinvest surrender proceeds in mutual funds after discussion with CFP
– Review your insurance every 3-4 years or at major life events

? Property and Plots – Use Caution

– You already own two houses and plots
– No need to invest more into property
– Real estate lacks liquidity, rental yield is low
– Hard to exit, especially during emergencies
– Avoid locking more capital into additional plots or flats
– Instead, use surplus funds to invest in financial assets

? Planning for Child’s Future

– Your child is 6 years old now
– You have around 12 years for college planning
– Continue SIPs in child-specific long-term equity mutual funds
– Target higher education corpus using aggressive asset allocation
– Use separate folio for this goal to track easily
– Don’t mix this with retirement goal investments

? Retirement Planning – 17 Years to Prepare

– You plan to retire at 60. That gives 17 years
– Increase SIPs every year as income rises
– Allocate funds to a mix of equity and hybrid funds
– Don’t rely on property rent or inheritance
– Plan assuming self-dependence post-retirement
– Discuss retirement corpus estimation with your CFP
– Use goal-based planning to build retirement bucket separately

? Emergency Fund and Liquidity

– Keep at least 6-8 months of expenses in liquid mutual funds
– Don’t keep too much in savings account
– Use low-duration or overnight mutual funds for emergency buffer
– Review and replenish emergency fund after usage
– Emergency fund must be kept liquid, not in FD or real estate

? Tax Planning and Fund Selection

– Avoid investing only for tax-saving
– Let your investment be goal-oriented, not just tax-saving
– Choose ELSS under regular plan with guidance of CFP
– Diversify between equity, balanced advantage, and flexi-cap funds
– Understand the new mutual fund tax rules while exiting funds

– For equity mutual funds:

LTCG above Rs.1.25 lakh taxed at 12.5%

STCG taxed at 20%

– For debt mutual funds:

Taxed as per your income slab for both STCG and LTCG

– Plan redemptions wisely with help of a CFP to reduce taxes

? Avoid Insurance-Based Investments

– Don’t mix insurance and investment
– ULIPs, endowment plans give low return and low flexibility
– If you hold such policies, check surrender values
– Surrender and switch to mutual funds after careful review
– Use pure term plan for life cover. Invest rest separately

? Annual Portfolio Review – A Must

– Investment journey needs regular tracking
– Once a year, do complete review with your CFP
– Remove underperforming funds, reallocate as per goal progress
– Adjust SIPs based on changed income or family needs
– Portfolio rebalancing keeps risk in control and improves returns

? Wealth Transfer and Estate Planning

– Prepare a Will to ensure smooth succession
– Mention nominations in mutual funds and bank accounts
– If plots are held, register them properly with clear documents
– Don’t ignore succession planning. It avoids family disputes later
– Also assign Power of Attorney to trusted person, if needed

? Behavioral Discipline – Most Important

– Avoid chasing hot funds or short-term trends
– Market timing doesn’t work. Stay invested for long-term
– Never pause SIPs due to market fear or noise
– Focus on your own goals, not others’ portfolio
– Long-term wealth needs patience and consistency
– Trust your financial planner and stick to the plan

? How to Scale Your Investment Strategy

– Increase SIPs by 10%-15% every year
– Use bonuses and windfalls for lump sum investments
– Diversify across 5-6 good equity mutual funds
– Don’t exceed 7-8 funds, else tracking becomes difficult
– Split investments by goals – child, retirement, emergency, etc.
– Take help from CFP to monitor each goal’s progress

? Checklist for 360-Degree Plan

– Monthly SIPs: On track, but scope to increase
– Life cover: Review and upgrade to 15-20x annual income
– Real estate: Avoid further investments, no liquidity
– Child’s education: Build separate corpus via SIP
– Retirement: Plan with 17-year horizon, increase SIPs annually
– PPF: Reinvest on maturity, via STP in mutual funds
– Tax planning: Use ELSS and goal-based planning
– Emergency fund: Maintain liquidity for 6-8 months expenses
– Estate planning: Prepare Will and ensure nominations

? Final Insights

– You are already ahead with your savings mindset
– Keep emotions away from investing decisions
– With the right review and planning, you can retire peacefully
– Continue SIPs, add more as income increases
– Stay invested in regular mutual funds under guidance of CFP
– Avoid real estate and insurance-based investments now
– Track your goals every year. Small corrections give big impact later

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

...Read more

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

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