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Ramalingam Kalirajan |10879 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jun 01, 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 - Jun 01, 2024Hindi

Money

Helo sir I'm 28 rights now and I have 6 lac liability my monthly income 30k sir plz suggest me a way for investment and short term earning

Ans: Understanding Your Financial Situation
You're doing well by seeking financial advice at 28. Your monthly income of Rs. 30,000 is a good starting point. A liability of Rs. 6 lakhs can seem daunting, but with the right strategy, you can manage it effectively.

Setting Financial Goals
First, let's define your financial goals. Short-term goals could include clearing your Rs. 6 lakhs liability. Long-term goals might involve savings for retirement or a house.

Budgeting Your Income
Create a budget to manage your Rs. 30,000 monthly income. Allocate funds for essential expenses like rent, groceries, and utilities. Ensure you save a portion of your income each month.

Clearing Your Liability
Prioritise clearing your Rs. 6 lakhs liability. High-interest debt can hinder financial progress. Aim to pay more than the minimum amount due each month to reduce the principal faster.

Emergency Fund
Establish an emergency fund. Aim to save at least three to six months' worth of expenses. This fund will act as a safety net during unexpected financial situations.

Investment Options for Short-Term Earnings
For short-term earnings, consider options that offer liquidity and low risk. Fixed deposits and savings accounts with good interest rates are stable choices. These provide moderate returns with low risk.

Actively Managed Funds
Investing in actively managed funds can be beneficial. These funds are managed by experts who aim to outperform the market. They might offer higher returns compared to index funds, which only track the market.

Regular Funds with Certified Financial Planner
Consider regular funds managed through a Certified Financial Planner (CFP). CFPs provide professional guidance and tailored advice, ensuring your investments align with your financial goals.

Diversifying Investments
Diversify your investments to reduce risk. Don't put all your money into one type of investment. Consider a mix of debt and equity funds to balance risk and return.

Short-Term Investment Strategies
For short-term goals, focus on investments that mature in a few years. Look for options with low volatility and stable returns. These investments will help you meet your immediate financial needs.

Regular Review and Adjustment
Regularly review and adjust your investment portfolio. Market conditions change, and your financial goals might evolve. Ensure your investments remain aligned with your objectives.

Benefits of Professional Guidance
Working with a Certified Financial Planner can provide significant benefits. They offer expertise, personalised advice, and help navigate complex financial decisions. Their guidance ensures your investments are well-structured.

Building a Financial Plan
Develop a comprehensive financial plan. Include your income, expenses, liabilities, and investment goals. A well-structured plan will guide your financial decisions and keep you on track.

Importance of Discipline
Financial discipline is key to success. Stick to your budget, avoid unnecessary expenses, and consistently invest. Discipline ensures steady progress towards your financial goals.

Learning and Growing
Educate yourself about personal finance and investment options. Knowledge empowers you to make informed decisions. Stay updated on financial trends and market conditions.

Benefits of Diversification
Diversifying your investments spreads risk. By investing in various assets, you protect yourself from market volatility. A diversified portfolio offers stability and potential for growth.

Evaluating Risk Tolerance
Understand your risk tolerance before investing. Some investments carry higher risk but offer higher returns. Align your investment choices with your comfort level and financial goals.

Tax Implications
Consider the tax implications of your investments. Different investment options have varying tax treatments. Aim to minimise tax liability while maximising returns.

Long-Term Financial Goals
While focusing on short-term goals, keep long-term objectives in mind. Retirement planning should start early. Consistent investments over time will build a substantial corpus for the future.

Balancing Life and Finances
Achieve a balance between enjoying life and managing finances. Allocate funds for leisure and personal growth. A balanced approach ensures financial well-being and personal satisfaction.

Seeking Professional Advice
Consulting a Certified Financial Planner can provide clarity and direction. Their expertise helps navigate financial complexities. Professional advice ensures your financial journey is smooth and successful.

Conclusion
You're on the right track by seeking financial advice at a young age. With a structured plan, disciplined approach, and professional guidance, you can achieve financial stability and growth.

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 |10879 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Aug 02, 2024

Question by Raji - Jul 20, 2024Hindi

Money

Hi I'm 46 I have savings 26 lacks & iam jobless suggest me to get monthly income by investing

Ans: Current Financial Overview
Age: 46 years

Job Status: Unemployed

Savings: Rs 26 lakhs

Financial Goals
Objective: Generate a monthly income through investments
Investment Strategy
Assessing Current Savings
Savings: Rs 26 lakhs

Make the right use of your savings to generate regular income.
Diversify your investments to strike a balance between risk and return.
Creating a Monthly Income
Systematic Withdrawal Plan (SWP):

A systematic withdrawal plan provides for periodical returns from your mutual fund investments.
It provides for regular monthly income.
It is always advisable to opt for actively managed funds for better returns.
On the other hand, avoid index funds because of lower returns and lack of flexibility. Debt Mutual Funds:

Invest a proportion in debt mutual funds for stability. They give comparatively better returns than fixed deposits. Such funds are good for regular income generation with low levels of risk. Balanced Funds:

Invest in balanced funds as they mix equity and debt. They will give growth and stability. Engage a Certified Financial Planner for choosing the funds. Monthly Income Plans (MIPs):

Consider the MIPs, which focus more on generating regular income.
They primarily invest in debt with an exposure to equity as well.
They provide higher returns compared with bank savings accounts
Senior Citizen Savings Scheme:
If eligible, invest in SCSS as the returns from this scheme are safe and regular.
The interest rate is higher compared to other savings
Post Office Monthly Income Scheme:
POMIS schemes should be considered if you want returns that come as a guaranteed monthly income.
It is a safe and secure way of earnings for regular income.
Risk Management
Diversification of Investments:

Invest in a mix of assets classes.
This lowers risk and also guarantees steady returns. Emergency Fund:

Keep an emergency fund which is equivalent to 6-12 months of expenses. Store this in a liquid fund or even a savings account for easy access. Regular Monitoring:

Keep a check on your investment portfolio regularly. Bring changes in your investments as per the market conditions and your needs. Disadvantages of Index Funds Limited Flexibility:

Index funds strictly follow the market index. They cannot alter with the changing market at all. Lower Returns:

These funds can be easily surpassed by the actively managed funds.
A professional fund manager can grab better opportunities for returns.
No Professional Management:

Index funds are not actively managed.
Active funds have professionals making investment decisions for them.
Benefits of Investing Through a CFP
Expert Advice:

A CFP offers customized investment advice.
They assist in selecting the right fund and managing associated risks.
Regular Monitoring:

A CFP continuously monitors your investment portfolio and makes changes as required.
This ensures you achieve your financial goals.
Tax Efficiency:

A CFP advises on tax-saving investment options.
They ensure maximum returns with minimum tax liabilities.
Finally
Generate Regular Income: Generate a regular income stream from your savings.

Diversification of Investments: Diversify across various assets.

Professional Advice: Engage a CFP for custom-made advice.

Review Regularly: Get into the habit of continuous monitoring and reviewing the portfolio.

From the above plan, you will have financial independence and be able to generate regular income.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Vivek Lala |323 Answers |Ask -Follow

Tax, MF Expert - Answered on Aug 25, 2024

Asked by Anonymous - Aug 23, 2024Hindi

Money

i have 5 lakh with me want to invest and that invest work as my second income please suggest.

Ans: Hello, you can create a balanced portfolio in mutual funds by selection 2 funds for the same
One can be a multicap fund and other can be a large and mid cap fund 50% each
Your SWP amount should not exceed 6% of the corpus invested
Also if you have active income and don't need any passive money, you should defer the SWP as per the cash flows

Ramalingam Kalirajan |10879 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jan 16, 2025

Asked by Anonymous - Jan 07, 2025Hindi

Money

hello ,I am 36 year old now ,i have my own house ,living with 3 Kid and with my Parent , I am the only earning Person in my home ,i do travel business and did some jibs earlier i have saved 50 Lakh since i start my carrier ,but now my business is not doing good so now i am looking to invest 50 Lakh to generate an imcome of alteast 1 Lakh rs per month as fix income so suggest me some ways

Ans: You’ve made a commendable achievement in saving Rs. 50 lakh over the years. Given that your business is currently not performing well and you're seeking a stable monthly income, it's important to adopt a diversified investment strategy that generates reliable returns. Your goal of Rs. 1 lakh monthly income is achievable with the right mix of investments.

Understanding Your Needs
You need a fixed income of Rs. 1 lakh per month.
Your savings amount to Rs. 50 lakh.
The income should be stable and relatively risk-free, given the family responsibilities.
Considering these factors, let’s explore options that can generate a monthly income while maintaining a suitable level of safety.

Investment Options for Stable Income
Here are the key options you could consider for generating a fixed monthly income from your Rs. 50 lakh savings:

1. Fixed Deposits (FDs)
Safety and Stability: Fixed deposits are a low-risk investment option, offering guaranteed returns.
Interest Rate: Currently, FD interest rates hover around 7-8% per annum, depending on the bank and tenure.
Monthly Income: An FD of Rs. 50 lakh can generate about Rs. 35,000 to Rs. 40,000 per month, depending on the interest rate and tax treatment.
Taxation: Interest earned on FDs is taxable as per your income tax slab. This reduces the overall yield.
2. Debt Mutual Funds
Stability with Slightly Higher Returns: Debt mutual funds invest in government and corporate bonds, offering relatively safe returns.
Interest Rate: These funds can give you returns ranging from 6-9% per annum.
Monthly Income: Debt funds might offer you a slightly better return compared to FDs, but still, generating Rs. 1 lakh per month may require you to invest a larger amount.
Taxation: Interest income is taxed, but long-term capital gains (LTCG) on debt funds (held for over 3 years) are taxed at 20% after indexation, which is more tax-efficient than FD interest.
3. Monthly Income Plans (MIPs) of Mutual Funds
Balanced Approach: MIPs invest in both debt and equity, providing a mix of stable income and capital appreciation.
Returns: MIPs generally offer 8-10% annual returns.
Taxation: MIPs have tax advantages compared to FDs. The income from MIPs is treated as capital gains, which can be more tax-efficient.
Monthly Payout: By investing in MIPs, you can opt for monthly payout options that provide regular income. However, the returns are not fixed like FDs.
4. Systematic Withdrawal Plans (SWPs)
Capital Efficiency: Instead of opting for fixed income, you can use your mutual fund investments through an SWP. Here, you withdraw a fixed sum monthly from a mutual fund to get your desired monthly income.
Taxation: The gains from SWP are taxed as capital gains. Short-term capital gains are taxed at 15%, while long-term capital gains are taxed at 10% after Rs. 1 lakh per year.
Flexibility: You can choose actively managed funds to ensure better returns over time.
5. Real Estate Investment Trusts (REITs)
Alternative Income Source: REITs are another option for generating monthly income. They invest in commercial real estate properties and distribute income to investors.
Returns: REITs have historically offered returns in the range of 7-9% annually.
Taxation: REITs offer tax advantages by being pass-through entities. Dividend income from REITs is taxed at 10% after a threshold.
Risk: Though safer than direct real estate, REITs still carry market risks as they are linked to the performance of the real estate market.
6. Gold and Gold Bonds
Safe-Haven Asset: Gold has always been a safe investment, especially in uncertain times.
Returns: Direct investment in gold may not generate monthly income, but you can invest in Sovereign Gold Bonds (SGBs), which pay an interest of 2.5% per annum.
Taxation: Capital gains from gold are taxed at 20% after 3 years. SGBs also offer a capital gain tax exemption if held to maturity.
7. Balanced Mutual Funds
Growth with Income: Balanced or hybrid mutual funds invest in a mix of debt and equity. They offer a good growth potential with reasonable stability.
Returns: These funds can offer returns of around 8-12% per annum.
Taxation: These funds are subject to long-term capital gains tax after 1 year for equity portion, and 20% after 3 years for debt portion.
8. Corporate Bonds and NCDs
Higher Income: Corporate bonds and Non-Convertible Debentures (NCDs) offer higher returns than government bonds.
Returns: The returns are in the range of 8-10% per annum.
Risk: They carry slightly higher risk compared to government-backed bonds. It's crucial to select high-rated bonds to ensure safety.
Understanding the Right Allocation
To generate an income of Rs. 1 lakh per month (Rs. 12 lakh annually), you need an investment that can consistently provide returns in this range.

Suggested Allocation for Rs. 50 Lakh
40% in Fixed Deposits (FDs): Rs. 20 lakh invested in FDs will provide steady but lower returns.
30% in Debt Mutual Funds or MIPs: Rs. 15 lakh in these funds will give you moderate returns with a bit more risk.
20% in Systematic Withdrawal Plan (SWP): Rs. 10 lakh in actively managed equity funds for long-term growth and regular withdrawals.
10% in REITs or Corporate Bonds: Rs. 5 lakh can be invested in alternative options like REITs for diversification.
Evaluating Risks and Tax Implications
Risk: The portfolio suggested above balances safety with some growth potential. The FD portion offers low risk, while the debt funds and SWPs carry slightly higher risks.
Taxation: FDs will be subject to tax based on your income slab. Debt funds and MIPs offer tax advantages, with long-term capital gains being more tax-efficient.
Liquidity: Ensure you keep some portion in liquid assets (FDs or debt funds) for emergencies.
If You Choose to Keep Money in Fixed Deposit / RBI Bonds
If you opt for fixed deposits or RBI bonds, while the returns are guaranteed, the income generated will fall short of your monthly requirement (Rs. 1 lakh). The FD returns will be closer to Rs. 35,000-40,000 per month, which means you'll need additional income sources like debt funds or other income-generating investments.

Final Insights
Diversification: Diversifying across multiple asset classes, including FDs, debt funds, MIPs, and SWPs, will provide stability and growth potential.
Risk and Returns: A mix of safer options like FDs and debt funds with higher-yielding SWPs or REITs can help generate the required monthly income.
Regular Monitoring: Review your portfolio regularly to ensure that your investments are meeting your income goals.
By following a balanced approach and not over-concentrating in a single asset, you can generate the required income while preserving your capital.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ramalingam Kalirajan |10879 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Feb 18, 2025

Asked by Anonymous - Feb 17, 2025Hindi

Money

Sir I m 33 year old women single not working . My mother did fd on my name whose current value is 24 làkh in pnb and I invested 8 lac in large cap conservative fund and 1 lac in mid cap and 1.5 lakh in gold,50k in debt,50 in gilt fund. If I have to look for option to generate monthly income from this what are the options

Ans: Your situation requires a well-structured plan to generate a steady monthly income. You have Rs 24 lakh in fixed deposits and Rs 11.5 lakh in various mutual funds and gold. Below is a detailed analysis and strategy to help you create a reliable monthly income.

Assessing Your Existing Investments
Fixed Deposit (Rs 24 lakh)

This gives stable returns, but interest rates are low.

Interest is taxable as per your income tax slab.

Consider restructuring some of it for better income options.

Large Cap Conservative Fund (Rs 8 lakh)

This fund is stable but may not give high returns.

Monthly withdrawals may reduce future growth.

Keep this for moderate wealth creation.

Mid Cap Fund (Rs 1 lakh)

This has high return potential but also higher risk.

Not ideal for immediate income generation.

Keep this for long-term growth.

Gold Investment (Rs 1.5 lakh)

Gold is a wealth protector, not an income source.

Selling gold for income is not advisable.

Hold gold for financial security.

Debt and Gilt Funds (Rs 1 lakh)

These provide stability but may not give high income.

Keep this for liquidity needs.

Options to Generate Monthly Income
Systematic Withdrawal Plan (SWP) from Mutual Funds
SWP allows monthly withdrawals from mutual funds.

Withdraw only a small portion to protect capital.

Choose actively managed funds for better returns.

Withdraw from conservative large-cap funds for stability.

Rebalancing Fixed Deposits for Better Returns
Break large FD into smaller ones for flexibility.

Keep some FD in a bank for emergency use.

Consider corporate fixed deposits for higher returns.

Opt for laddering FDs for steady income flow.

Senior Citizen Savings Scheme (SCSS) for Your Mother
If your mother is above 60 years, she can invest.

It gives higher fixed returns than regular FDs.

Quarterly interest payments help in cash flow.

Post Office Monthly Income Scheme (POMIS)
This gives fixed monthly income for five years.

Suitable for low-risk investors.

Income is taxable.

Dividend Payout from Mutual Funds
Avoid dividend option in mutual funds.

Dividends are taxed at slab rate.

Use SWP instead for tax-efficient withdrawals.

Ultra Short-Term and Arbitrage Funds for Low-Risk Returns
These funds are better than keeping money in savings.

Suitable for short-term cash management.

Can provide better liquidity and returns than FDs.

Tax Considerations
Fixed Deposit Interest is taxable at your slab rate.

Mutual Fund Redemptions:

Equity funds: LTCG above Rs 1.25 lakh is taxed at 12.5%.

Debt funds: Gains are taxed as per your tax slab.

Gold Investments: LTCG applies after three years.

Final Insights
Use SWP from mutual funds for regular income.

Restructure FD for better flexibility.

Use post office and SCSS (if mother is eligible) for safe income.

Avoid withdrawing from high-growth funds.

Plan tax-efficient withdrawals for higher net income.

Let me know if you need further clarification.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

Latest Questions

Reetika Sharma |423 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Dec 12, 2025

Asked by Anonymous - Nov 23, 2025Hindi

Money

Sir, My age is 45 now. I want to shift my career into IT. what can be done. Also want to retire in 53 age. Salary gross 95500 INR . May I choose mutual fund sip but in whose sip? Sbi, ICICI ?

Ans: Hi,

Please consult a career counsellor to shift your career to IT field.
And yes you can invest in SIP. Please share the amount that you want to invest monthly, your goals and risk behaviour for me to analyse and guide you in a better way.

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

Reetika Sharma |423 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Dec 12, 2025

Question by deepa - Nov 27, 2025Hindi

Money

Dear Sir, I am 60 yrs and just superannuated. I have no pension and the spread of corpus is as follows; - MF & Shares portfolio value is around 1 Cr. SWP of 40000/month initiated. But SIP of 20000/month is also on for next six months - FDs in bank is around 3. Cr and are in Quarterly pay-out interest - PPF of 20 Lac - RBI Bond of 16 lac half yearly interest pay out - PF 90 Lac not withdrawn so far as I can extend this with 1 yr. - Few SA pension 63000 per year Please do suggest if the above can give me expenses to meet 2.5 Lac/m for next 20 yrs Best regards,

Ans: Hi Deepa,

Overall your total networth is 5 crores (including PF, FD, MF, binds etc.) - we will break it into 4 crores (which can be used to fund your retirement) and 1 crore for emergencies.
If invested correctly, this 4 crores can fund you for 20 years and not more than that. You need to invest 4 crores so that they fetch you around 11-12% XIRR to fund your monthly expenses. Also withdraw your PF, liquidate 2 crores from FD and reinvest entirely.

Take the help of a professional who will design your portfolio keeping in mind your monthly requirements for the next 20 years.

Hence please consult 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/

Reetika Sharma |423 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Dec 12, 2025

Asked by Anonymous - Nov 08, 2025Hindi

Money

I am doing 2Lkh monthly SIP as following: 1. Parag Parikh flexi - 50K 2. Tata Small cap - 50K 3. Invesco India Small cap - 50K 4. Quant Mid cap - 20K 5. HDFC Index - 10K 6. Tata Nifty Midcap 150 momentum 50 index - 10K 7. Edelweiss US Tech FOF - 10K My wife is running 30K monthly SIP, 6K in each 1. Quant Small cap 2. Quant Flexi cap 3. Kotak Multi cap 4. JioBlackrock Nifty 50 index 5. JioBlackrock Flexi cap My dad also invest 30K in SIP monthly, 6K in each 1. Parag Parikh flexi 2. Axis small cap 3. Kotak flexi cap 4. Edelweiss mid cap 5. Tata nifty midcap 150 momentum 50 I am investing for retirement with 15 year horizon. Whereas my wife is investing for my daughter’s education and marriage - she is targeting to invest for 17 years (and keep invested till our daughter marriage). My father is 70 and has 15 year investment horizon - to pass on as a gift to his grandkids. Please evaluate the investment strategy.

Ans: Hi,

It is a very good habit and strategy to align your investments with your goals. You, your wife and your father are on the right track. However the funds you described are not in alignment with your goals and highly overlapped one.
It is always better to take the help of a professional when it comes to money.
A single mistake can break your portfolio. Please do work with a dedicated professional to correct your strategy.

Do consult 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/

Reetika Sharma |423 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Dec 12, 2025

Question by shashikant - Nov 24, 2025Hindi

Money

Mujhe 40000 ki sip 5 year ke liye kis fund mai karu ghar lene kebliye

Ans: Hi Shashikant,

It is good that you want to start SIP. Please share other details such as your age, time frame, your risk profile for me to guide you better.

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

Reetika Sharma |423 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Dec 12, 2025

Asked by Anonymous - Nov 20, 2025Hindi

Money

Dear Sir, I am 43 year old living in a metro city. I have accumulated MF corpus of 2.45 Cr (2 Cr Equity fund and 45 lakh Debt fund). My PF and Gratuity is around 40 lakh. I own a house and have no liability / loans. I also have a plot worth 30 Lakhs. My monthly expense is 60,000. I want to retire in next 2 years when I will have 3 Cr total corpus. Do I have sufficient retirement corpus? How do reclassify my investments ?

Ans: Hi,
Your current assets are parked correctly and you have saved good wrt your age.
If you retire after 2 years with 3 crore corpus, you can fund yourself forever with 60,000 per month expenses (inflation adjusted).
You need to consult a professional who wi;ll design your overall portfolio for your retirement. It is better to avoid doing the same yourself because any minor mistake can cost your lifestyle.
Hence get in touch with 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/

Mayank Chandel |2572 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Dec 11, 2025

Question by Prince - Dec 10, 2025Hindi

Career

Sir mene class 12 board cbse se diya usme meri maths me compartment lag gayi fir compartment ka paper aaya usme bhi fail ho Gaya sir mere pass 6 subject the overall paas hogaya fir mene nios se maths pass kar liya , is wajah se meri do marksheet ho gayi hai to me Iit jee ke liye eligbl hoon

Ans: Hello Prince
you are eligible for IIT JEE

Mayank Chandel |2572 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Dec 11, 2025

Question by Archana - Dec 10, 2025Hindi

Career

Hi Sir, My daughter is studying in Grade 5 and following CBSE curriculum. She wishes to join Indian Navy after her schooling. Since we are getting transfer in every three years, it is difficult for her to continue her studies in the same school. So we are planning to take admission in a boarding school with ICSE curriculum. What is your opinion or advice on this?

Ans: Hello Archana ji,
As far as i understand, for defence exams (like NDA, Navy SSR/AA, CDS in future), CBSE has a slight practical advantage. The syllabus of NDA written exam aligns more closely with NCERT (CBSE) textbooks.
Competitive exams like JEE (for Navy B.Tech entry), AISSEE (for Sainik Schools), RIMC, and Olympiads also follow CBSE patterns.

Ramalingam Kalirajan |10879 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Dec 11, 2025

Asked by Anonymous - Dec 11, 2025Hindi

Money

Hello Sir, I am 56 yrs old with two sons, both married and settled. They are living on their own and managing their finances. I have around 2.5 Cr. invested in Direct Equity and 50L in Equity Mutual Funds. I have Another 50L savings in Bank and other secured investments. I am living in Delhi NCR in my owned parental house. I have two properties of current market worth of 2 Cr, giving a monthly rental of around 40K. I wish to retire and travel the world now with my wife. My approximate yearly expenditure on house hold and travel will be around 24 L per year. I want to know, if this corpus is enough for me to retire now and continue to live a comfortable life.

Ans: You have built a strong base. You have raised your sons well. They live independently. You and your wife now want a peaceful and enjoyable retired life. You have created wealth with discipline. You have no home loan. You live in your own house. This gives strength to your cash flow. Your savings across equity, mutual funds, and bank deposits show good clarity. I appreciate your careful preparation. You deserve a happy retired life with travel and comfort.

» Your Present Position
Your current financial position looks very steady. You hold direct equity of around Rs 2.5 Cr. You hold equity mutual funds worth Rs 50 lakh. You also have Rs 50 lakh in bank deposits and other secured savings. Your two rental properties add more comfort. You earn around Rs 40,000 per month from rent. You also live in your owned house in Delhi NCR. So you have no rent expense.

Your total net worth crosses Rs 5.5 Cr easily. This gives you a strong base for your retired life. You plan to spend around Rs 24 lakh per year for all expenses, including travel. This is reasonable for your lifestyle. Your savings can support this if planned well. You have built more than the minimum needed for a comfortable retired life.

» Your Key Strengths
You already enjoy many strengths. These strengths hold your plan together.

You have zero housing loan.

You have stable rental income.

You have children living independently.

You have a balanced mix of assets.

You have built wealth with discipline.

You have clear goals for travel and lifestyle.

You have strong liquidity with Rs 50 lakh in bank and secured savings.

These strengths reduce risk. They support a smooth retired life with less stress. They also help you handle inflation and medical costs better.

» Your Cash Flow Needs
Your yearly expense is around Rs 24 lakh. This includes travel, which is your main dream for retired life. A couple at your stage can keep this lifestyle if the cash flow is planned well. You need cash flow clarity for the next 30 years. Retirement at 56 can extend for three decades. So your wealth must support you for a long period.

Your rental income gives you around Rs 4.8 lakh per year. This covers almost 20% of your yearly spending. This reduces pressure on your investments. The rest can come from a planned withdrawal strategy from your financial assets.

You also have Rs 50 lakh in bank deposits. This acts as liquidity buffer. You can use this buffer for short-term and medium-term needs. You also have equity exposure. This can support long-term growth.

» Risk Capacity and Risk Need
Your risk capacity is moderate to high. This is because:

You own your home.

You have rental income.

Your children are financially independent.

You have large accumulated assets.

You have enough liquidity in bank deposits.

Your risk need is also moderate. You need growth because inflation will rise. Travel costs will rise. Medical costs will increase. Your lifestyle will change with age. Your equity portion helps you beat inflation. But your equity exposure must be managed well. You should avoid sudden large withdrawals from equity at the wrong time.

Your stability allows you to keep some portion in equity even during retired life. But you should avoid excessive risk through direct equity. Direct equity carries concentration risk. A balanced mix of high-quality mutual funds is safer in retired life.

» Direct Equity Risk in Retired Life
You hold around Rs 2.5 Cr in direct equity. This brings some concerns. Direct equity needs frequent tracking. It needs research. It carries single-stock risk. One mistake may reduce your capital. In retired life, you need stability, clarity, and lower volatility.

Direct funds inside mutual funds also bring challenges. Direct funds lack personalised support. Regular plans through a Mutual Fund Distributor with a Certified Financial Planner bring guidance and strategy. Regular funds also support better tracking and behaviour management in volatile markets. In retired life, proper handholding improves long-term stability.

Many people think direct funds save cost. But the value of advisory support through a CFP gives higher net gains over long periods. Direct plans also create more confusion in asset allocation for retirees.

» Mutual Funds as a Core Support
Actively managed mutual funds remain a strong pillar. They bring professional management and risk controls. They handle market cycles better than index funds. Index funds follow the market blindly. They do not help in volatile phases. They also offer no risk protection. They cannot manage quality of stocks.

Actively managed funds deliver better selection and risk handling. A retiree benefits from such active strategy. You should avoid index funds for a long retirement plan. You should prefer strong active funds under a disciplined review with a CFP-led MFD support.

» Why Regular Plans Work Better for Retirees
Direct plans give no guidance. Retired investors often face emotional decisions. Some panic during market fall. Some withdraw heavily during market rise. This harms wealth. Regular plan under a CFP-led MFD gives a relationship. It offers disciplined rebalancing. It improves long-term returns. It protects wealth from poor behaviour.

For retirees, the difference is huge. So shifting to regular plans for the mutual fund portion will help long-term stability.

» Your Withdrawal Strategy
A planned withdrawal strategy is key for your case. You should create three layers.

Short-Term Bucket
This comes from your bank deposits. This should hold at least 18 to 24 months of expenses. You already have Rs 50 lakh. This is enough to hold your short-term cash needs. You can use this for household costs and some travel. This avoids panic selling of equity during market downturn.

Medium-Term Bucket
This bucket can stay partly in low-volatility debt funds and partly in hybrid options. This should cover your next 5 to 7 years. This helps smoothen withdrawals. It gives regular cash flow. It reduces market shocks.

Long-Term Bucket
This can stay in high-quality equity mutual funds. This bucket helps beat inflation. This bucket helps fund your travel dreams in later years. This bucket also builds buffer for medical needs.

This three-bucket strategy protects your lifestyle. It also keeps discipline and clarity.

» Handling Property and Rental Income
Your properties give Rs 40,000 monthly rental. This helps your cash flow. You should maintain the property well. You should keep some funds aside for repairs. Do not depend fully on rental growth. Rental yields remain low. But your rental income reduces pressure on your investments. So keep the rental income as a steady support, not a primary source.

You should not plan more real estate purchase. Real estate brings low returns and poor liquidity. You already own enough. Holding more can hurt flexibility in retired life.

» Planning for Medical Costs
Medical costs rise faster than inflation. You and your wife need strong health coverage. You should maintain a reliable health insurance. You should also keep a medical fund from your bank deposits. You may keep around 3 to 4 lakh per year as a buffer for medical needs. Your bank savings support this.

Health coverage reduces stress on your long-term wealth. It also avoids large withdrawals from your growth assets.

» Travel Planning
Travel is your main dream now. You can plan your travel using your short-term and medium-term buckets. You can take funds annually from your liquidity bucket. You can avoid touching long-term equity assets for travel. This approach keeps your wealth stable.

You should plan travel for the next five years with a budget. You should adjust your travel based on markets and health. Do not use entire gains of equity for travel. Keep travel budget fixed. Add small adjustments only when needed.

» Inflation and Lifestyle Stability
Inflation will impact lifestyle. At Rs 24 lakh per year today, the cost may double in 12 to 14 years. Your equity exposure helps you beat this. But you need careful rebalancing. You also need disciplined review with a CFP-led MFD. This will help you manage inflation and maintain comfort.

Your lifestyle is stable because your children live independently. So your cash flow demand stays predictable. This makes your plan sustainable.

» Longevity Risk
Retirement at 56 means you may live till 85 or 90. Your plan should cover long years. Your total net worth of around Rs 5.5 Cr to Rs 6 Cr can support this. But you need a proper drawdown strategy. Avoid high withdrawals in early years. Keep your travel budget steady.

Do not depend on one asset class. A mix of debt and equity gives comfort. Keep your bank deposits as cushion.

» Succession and Estate Planning
Since you have two sons who are settled, you can plan a clear will. Clear distribution avoids conflict. You can also assign nominees across accounts. You can also review your legal papers. This gives peace to you and your family.

» Summary of Your Retirement Readiness
Based on your assets and cash flow, you are ready to retire. You have enough wealth. You have enough liquidity. You have enough income support from rent. You also have good asset mix. With proper planning, your lifestyle is comfortable.

You can retire now. But maintain a disciplined withdrawal strategy. Shift more reliance from direct equity into professionally managed mutual funds under regular plans. Keep your liquidity strong. Review once every year with a CFP.

Your wealth can support your travel dreams for many years. You can enjoy retired life with confidence.

» Finally
Your preparation is strong. Your intentions are clear. Your lifestyle needs are reasonable. Your assets support your dreams. With a balanced plan, steady review, and mindful spending, you can enjoy a comfortable retired life with your wife. You can travel the world without fear of running out of money. You deserve this peace and joy.

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

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

Samraat Jadhav |2507 Answers |Ask -Follow

Stock Market Expert - Answered on Dec 11, 2025

Question by Saurav - Dec 11, 2025Hindi

Money

Kindly advice i have 1500 shares of NMDC @ 60 what should i do

Ans: Profit making Company with High ROCE and Low PE, 80 may be a good price to book profits. if you are a long term investor and can hold for 10yrs then dont sell.

Samraat Jadhav |2507 Answers |Ask -Follow

Stock Market Expert - Answered on Dec 11, 2025

Asked by Anonymous - Dec 11, 2025Hindi

Money

Regarding benefits and transfer of 1700 partly paid share I would like to inquiry about the 1700 shares of jindal vijay nagar steel that were subscribed/paid for earlier Am i eligible to receive any benefits, dividend or right associated with these partly paid shares..? Is there any rules, procedure,or provision through which these partly paid shares can be transferred and registered in my name Kindly provide guidance on the process and the required documents,if applicable I shall be grateful for your assistance Thankyou Warm regards Girish Bhatnagar

Ans: Girish ji, please connect with kfintech for the details. You would get the right information from them as they are the registrar for the issue.

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

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