Investment from loan - Is it a good idea?

Ans: History noted, you are being 45 years and wife being 41 years, married since 6 years, staying separately since 4 years, now together since 5 months and with all the challenges.
Every woman has a right to plan for family and have a baby.
Considering financial challenges, future expense can be taken care of with mutual discussion Between you both.
Age factor: can be explained to your wife that fertility level might be compromised with age than if needed can undergo ivf treatment and chances if getting blood pressure and diabetes.
Sarcastic behavior can be tackled with couple counselling, family support psychological therapy and eliminating the root cause.
The above said things are manageable
Being a gynaec and obstetrician, i can take away the right of a woman from being mother and motherhood.

Ans: Key Financial Factors to Consider
Option 1: Buying the Flat
EMI Costs

EMI: Rs. 85,000-90,000 monthly for 12 years.
Net EMI Cost (Post subsidy and tax saving): Rs. 15,000-20,000 per month.
Rental Saving

Buying eliminates rent, saving Rs. 40,000 monthly.
Subsidy Benefit

50% interest subsidy reduces your EMI burden by Rs. 28,000 per month.
Tax Benefits on Home Loan

You save approximately Rs. 5,000 monthly in taxes on interest payments.
Plan to Sell Post-Retirement

Selling the flat in 5-6 years may or may not yield significant appreciation.
Real estate liquidity can be unpredictable.
Option 2: Continuing to Rent
Current Costs

Rent: Rs. 40,000 per month.
No additional EMI burden.
Investment Opportunity

Allocate Rs. 20,000 monthly (saved from net EMI cost) to mutual funds.
This investment grows significantly in 5-6 years.
Flexibility

Renting offers flexibility in case of post-retirement relocation.
Detailed Analysis
Buying the Flat: Pros and Cons
Pros:

Owning a home offers emotional satisfaction.
Subsidy and tax savings reduce EMI burden.
Rent savings (Rs. 40,000) offsets the EMI.
Cons:

Requires additional Rs. 15,000-20,000 monthly for EMIs.
Real estate appreciation is uncertain over 5-6 years.
Selling post-retirement involves transaction costs and market risks.
Renting and Investing: Pros and Cons
Pros:

Avoids the hassle of a large loan and associated liabilities.
Rs. 20,000 invested in equity mutual funds can grow significantly.
More flexibility to relocate post-retirement.
Cons:

Rent payments continue with no ownership asset.
Miss out on interest subsidy and home loan tax benefits.
Scenario Comparison
Option 1: Buying the Flat
Total Outflow: Rs. 15,000-20,000 monthly (EMI after adjustments).
Asset Created: A flat worth Rs. 1.25 crore, potentially appreciating in value.
Risk: Real estate value may stagnate or decline in the short term.
Option 2: Renting and Investing
Total Outflow: Rs. 40,000 monthly in rent, plus Rs. 20,000 invested in mutual funds.
Investment Growth: Assuming 10% CAGR, Rs. 20,000 per month grows to Rs. 16 lakh in 5 years.
Risk: Market volatility may impact mutual fund returns.
Certified Financial Planner’s Suggestion
Based on your financial profile and goals, here is a balanced recommendation:

Leaning Towards Renting and Investing

Renting gives flexibility and avoids real estate risks.
Invest the additional Rs. 20,000 in equity mutual funds for better returns.
A diversified portfolio may provide more liquidity and growth by retirement.
If Emotional Value of Ownership Matters

Buy the flat only if you are confident about the real estate market in your city.
Ensure the flat is easily sellable in 5-6 years.
Carefully assess the costs and expected returns before committing.
Final Insights
Buying a flat works best if real estate appreciation outpaces mutual fund growth. However, this is uncertain in a short horizon. Renting and investing in mutual funds is a more flexible and potentially rewarding option for retirement planning.

Take a prudent decision considering your priorities and risk tolerance.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ans: Hello
Your period was on 25th October
And taken i pill on 3rd December
If taken within the first 24 hours, it is claimed to be highly effective at more than 95%.
Since pco and irregular periods and taken i pill, withdrawal bleed can take5 to 10 days
But if you don't get periods in 3 week's time
Please check pregnancy test
Since you have pcod with irregular periods and taken i pil there can be change in period cycle also.

Ans: Hello Priya, since you are 36 years, married since 4 years, primary infertility, yes, ivf is a better option.
Many patients have lots of myths regarding ivf treatment. But with modern injections and process of egg retrieval it's not that difficult as it seems to be.
The injections which have to be given for 10 to 12 days are either intramuscular in the muscle) or subcutaneous (just below the skin). Easy to be taken. We get injections in PEN form too like insulin injection which is easy to operate and can be self-injected. The effects of the injections are till the process. It doesn't have long lasting side effects.
The main side effects:
1) nausea vomit
2) breast tenderness
3) bloating
4) headache
5) mood swings and hot flushes
6) fatigue
7) pain after egg retrieval
8) cramping
9) constipation due to progesterone therapy
10) ovarian hyperstimulation
Ovarian hyperstimulation syndrome (OHSS) occurs when fertility drugs overstimulate the ovaries, causing them to swell and release chemicals into the bloodstream.
Symptoms:
Severe abdominal pain.
Severe, persistent nausea and vomiting.
Blood clots.
Decreased urination.
Shortness of breath.
Tight or enlarged abdomen.
To consult the doctor if above symptoms to decide if need of hospitalization
So, tat investigations and necessary treatment can be done
But with regular ultrasound and modern injections, ohss is become very rare and treatable

Ans: Forgiving yourself might feel like a tall order right now, but think of it as an act of self-compassion rather than erasing the past. You don’t have to pretend nothing went wrong, but you do deserve to free yourself from the narrative that you were entirely to blame. Sometimes, when we feel stuck in the past, it’s because we haven’t fully acknowledged our emotions or allowed ourselves to grieve—not just for the relationship, but for the version of ourselves we wish we’d been. It’s okay to feel sadness or anger or regret. Letting yourself sit with those feelings—without judgment—can help loosen their grip over time.

A fresh start begins with allowing yourself to be imperfect and to acknowledge your growth. Seven years is a long time, and you are not the same person you were back then. The lessons you’ve learned from this heartbreak have likely shaped you in ways you don’t even realize. If you can, try focusing on who you want to become rather than on who you were. What kind of relationships do you want to create in the future? What kind of kindness can you extend to yourself right now?

You’re not letting anyone down by wanting to heal. In fact, letting go of that guilt might be the greatest way to honor both yourself and the love you shared back then. You deserve happiness and connection, not in spite of your past, but because of it—it’s part of your journey, not the end of it.

Ans: Hello;

You may hold the first account as your primary ppf account and close the second account as per bank/ post office procedure.

Best wishes;

Ans: Hello;

Nowadays payment for IPO allotment is through the process of ASBA(Application Supported by Blocked Amount) wherein funds needed to finance your IPO application are blocked.

If the funds are not enough the application will not go through.

Their no fine or penalty but it may affect your reputation with the bank/broker.

Best wishes;

Ans: It is probably related to a disturbed sleep cycle due to the asthma. Consult a pulmonologist who may suggest a sleep test

Ans: At 47 years, you are actively building your retirement corpus.

Mutual Fund Portfolio: Rs. 13 lakh invested.
Current SIPs: Rs. 75,000 per month.
EPF: Rs. 20 lakh.
PPF: Rs. 25 lakh.
NPS: Rs. 25 lakh.
Your goal of Rs. 1 lakh per month post-retirement is achievable with disciplined planning and diversification.

Analysis of Current SIP Portfolio
Strengths
You are investing a substantial Rs. 75,000 monthly in equity funds.
Your portfolio covers large-cap, mid-cap, small-cap, flexi-cap, and active funds.
High exposure to equity ensures strong potential for long-term growth.
Concerns
Overexposure to mid-cap and small-cap funds increases risk.
Lack of debt or hybrid funds creates volatility closer to retirement.
No systematic diversification for steady cash flow during retirement.
Recommended Diversification for Your SIPs
Equity Portfolio Adjustments
Reduce Mid and Small-Cap Allocation

Shift a portion of small-cap and mid-cap investments to large-cap or flexi-cap funds.
Large-cap funds provide stability and consistent returns.
Focus on Balanced Diversification

Allocate more to diversified flexi-cap funds.
Flexi-cap funds balance risk and reward across market caps.
Optimise Active Fund Selection

Limit the number of funds in your portfolio.
Too many funds can dilute returns and complicate tracking.
Introducing Debt and Hybrid Funds
Adding debt and hybrid funds reduces portfolio risk and improves stability.

Debt Funds

Debt funds provide predictable returns and liquidity.
Invest in short-duration or dynamic bond funds for lower interest rate risk.
Hybrid Funds

Hybrid funds offer a mix of equity and debt exposure.
They cushion equity volatility and ensure smoother returns.
Revised SIP Allocation
Large-Cap Funds: 30%

Focus on funds with consistent performance.
Flexi-Cap Funds: 25%

These provide market-cap diversification.
Debt Funds: 20%

Choose short-duration or high-quality corporate bond funds.
Hybrid Funds: 15%

Balanced Advantage or Aggressive Hybrid Funds work well.
Mid-Cap Funds: 10%

Retain some exposure for higher growth potential.
Additional Recommendations
Increase Your Emergency Corpus
Keep 6-12 months of expenses in liquid or ultra-short-term funds.
This ensures you can meet any unexpected financial needs.
Align NPS and PPF with Retirement Goals
NPS provides an annuity component.
Optimise your PPF by continuing yearly contributions until maturity.
Tax-Efficient Withdrawals
Plan mutual fund withdrawals post-retirement carefully to minimise LTCG tax.
Use the new rules: LTCG above Rs. 1.25 lakh taxed at 12.5%.
Regular Portfolio Reviews
Review your portfolio at least once a year with a Certified Financial Planner.
Adjust based on market performance and changing goals.
How This Plan Supports Rs. 1 Lakh Monthly Post-Retirement
Corpus Growth
Assuming continued investments for 10-13 years, your portfolio can grow substantially.
Include EPF, PPF, NPS, and mutual funds to meet your retirement goal.
Withdrawal Strategy
Use a systematic withdrawal plan (SWP) for mutual funds.
Withdraw from debt and hybrid funds first to preserve equity growth.
Steady Retirement Income
EPF, PPF, and NPS offer stable income components.
Mutual fund SWP bridges any income gaps.
Final Insights
You have taken significant steps toward building a secure retirement corpus.

Diversify your SIPs with a mix of equity, debt, and hybrid funds for better stability.

Align your PPF and NPS contributions with long-term retirement needs.

A structured plan ensures you meet your goal of Rs. 1 lakh per month post-retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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