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Ramalingam Kalirajan  |9720 Answers  |Ask -

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

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
Dharmesh Question by Dharmesh on Jan 10, 2025
Money

How I should I generate 75000 per month income increasing at 5 % every year with mix of equity and debt.

Ans: Understand Your Financial Goal
You need Rs. 75,000 monthly income in the first year.
The income should increase by 5% annually to combat inflation.
A mix of equity and debt investments can help achieve this goal.
Step 1: Estimate Required Corpus
Calculate the corpus required to generate Rs. 75,000 per month.
Consider safe withdrawal rates for long-term sustainability.
Include the impact of 5% annual increase in income needs.
Step 2: Allocation Between Equity and Debt
1. Equity for Growth

Allocate 60%-70% of your corpus to equity mutual funds.
Equity helps combat inflation and grows your wealth over time.
Choose a mix of large-cap, flexi-cap, and mid-cap funds for diversification.
2. Debt for Stability

Allocate 30%-40% of your corpus to debt mutual funds.
Debt investments provide stability and regular income.
Consider short-term bond funds or corporate bond funds for steady returns.
Step 3: Use a Systematic Withdrawal Plan (SWP)
1. Regular Monthly Income

Use SWP from mutual funds to get Rs. 75,000 monthly.
SWP lets you withdraw fixed amounts periodically from your investments.
2. Manage Inflation Adjustment

Increase the SWP amount by 5% every year.
This ensures your income keeps pace with rising costs.
3. Tax Efficiency

Equity SWPs are more tax-efficient due to favourable capital gains taxation.
Long-term capital gains (LTCG) above Rs. 1.25 lakh are taxed at 12.5%.
Debt fund SWPs are taxed as per your income tax slab.
Step 4: Portfolio Rebalancing
1. Maintain Allocation Ratio

Rebalance your portfolio every year to maintain equity and debt allocation.
Sell over-performing assets and reinvest in under-performing ones.
2. Reduce Risk Gradually

Shift more funds to debt as you age or near your financial goal.
This safeguards your principal while ensuring stable returns.
Step 5: Choosing the Right Funds
1. Actively Managed Equity Funds

Avoid index funds as they don’t offer active performance management.
Actively managed funds can generate better returns in dynamic markets.
2. Professional Guidance for Fund Selection

Regular plans with Certified Financial Planner guidance are beneficial.
Direct funds lack expert support, leading to potential missteps.
3. Debt Funds for Predictable Returns

Short-term and corporate bond funds are good options for debt allocation.
Avoid riskier debt funds to preserve capital.
Step 6: Emergency Reserve and Insurance
1. Emergency Fund

Set aside six months of expenses as an emergency reserve.
Keep this fund in liquid or ultra-short-term debt funds for quick access.
2. Adequate Insurance

Ensure you have adequate health and life insurance coverage.
This safeguards your family from financial burdens in unforeseen situations.
Step 7: Periodic Review and Monitoring
1. Annual Portfolio Review

Review your portfolio’s performance annually with a Certified Financial Planner.
Check if your income and growth objectives are on track.
2. Adjust for Market Changes

Adjust SWP amounts or reallocate investments based on market trends.
Ensure the portfolio remains aligned with your financial goals.
Step 8: Tax Planning
1. Plan Withdrawals to Minimise Tax

Limit withdrawals from equity funds to stay under LTCG exemption limits.
For debt funds, structure withdrawals to reduce tax impact.
2. Invest in Tax-Saving Instruments

If eligible, invest in tax-saving mutual funds (ELSS) for additional benefits.
This adds to your wealth creation while reducing tax liability.
Step 9: Long-Term Wealth Creation
1. Retain Growth Component

Avoid withdrawing the entire equity growth.
Let a part of the equity investment compound over time.
2. Build a Legacy

Ensure your investments are structured to pass on wealth to heirs.
Use nominations and wills to simplify inheritance.
Finally
Generating Rs. 75,000 monthly income with a 5% annual increase is achievable.

A balanced mix of equity and debt ensures growth and stability.

Regular review, disciplined withdrawal, and expert guidance will keep you on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
Asked on - Jan 11, 2025 | Answered on Jan 11, 2025
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I will invest now 75 lakhs in debt funds and 75 lakhs in equity funds (multicap ) 25 lakhs in FD and liquid funds 25 lakhs in hdfc balance advantage for 2 two years time frame and then will do 75000 through swp 5 percent increase. Is it ok ?
Ans: Your plan has good diversification, but for a 2-year timeframe, equity may be risky. SWP with a 5% increase is ideal for long-term needs. Consult a Certified Financial Planner or MFD to ensure alignment with your financial goals, risk tolerance, and tax efficiency.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
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  |9720 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

Asked by Anonymous - Apr 21, 2024Hindi
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I am 53 years old with a wife and 19 year old son who is studying. I am debt free having own house and another apartment up for sale, after settling aside 40 lakhs for emergency fund child education and marriage, besides this all 3 of us have a mediclaim policy of 25 lakhs each.I have 2 CR as retirement fund from which I want to generate a monthly income of 1.2 lakhs with 7 percent increase every 5 years till survival Please suggest me the options for achieving the goal
Ans: You aim to generate a monthly income of ?1.2 lakhs, with a 7% increase every five years, from a ?2 crore retirement fund.

Evaluating Income Needs and Growth
Monthly Income Requirement: ?1.2 lakhs per month.
Annual Income Requirement: ?14.4 lakhs.
Increase in Income: 7% every five years.
Investment Strategy for Monthly Income
Given your goals, a mix of income-generating investments and growth-oriented funds is ideal.

Safe and Stable Options
1. Senior Citizens' Saving Scheme (SCSS)
Offers quarterly interest payments.
Current interest rate: ~8.2%.
Invest up to ?30 lakhs.
2. Pradhan Mantri Vaya Vandana Yojana (PMVVY)
Provides a regular pension.
Current interest rate: ~7.4%.
Invest up to ?15 lakhs per senior citizen.
3. Fixed Deposits (FDs) in Banks or Post Office
Offers stable returns.
Current interest rate: 6-7%.
Can ladder FDs for different maturities.
Balanced and Growth Options
1. Balanced or Hybrid Mutual Funds
Mix of equity and debt.
Potential annual returns: 8-10%.
Suitable for regular withdrawals through Systematic Withdrawal Plans (SWP).
2. Dividend-Paying Stocks or Equity Mutual Funds
Provides growth and dividend income.
Choose blue-chip companies with a strong dividend history.
Can help hedge against inflation.
3. Debt Mutual Funds
Invest in government and corporate bonds.
More stable than equity but lower returns.
Potential annual returns: 6-8%.
Structuring the Portfolio
1. Emergency Fund and Immediate Needs (?40 lakhs)
Keep this in liquid or short-term instruments.
Ensure easy accessibility and low risk.
2. Income Generation (?1.6 crores)
SCSS and PMVVY: Invest ?45 lakhs (?30 lakhs in SCSS and ?15 lakhs in PMVVY).
This generates regular, stable income.
Fixed Deposits and Debt Funds: Allocate ?55 lakhs.
Ladder FDs and invest in short to medium-term debt funds.
Balanced Mutual Funds and Dividend-Paying Stocks: Allocate ?60 lakhs.
Use SWPs for regular income.
Ensuring Inflation Adjustment
To ensure your income increases by 7% every five years, invest a portion in growth-oriented assets.

1. Equity Mutual Funds
Allocate part of the portfolio to equity mutual funds for growth.
Use SWP to withdraw profits.
2. Rebalance Periodically
Review the portfolio every year.
Adjust allocations based on performance and income needs.
Implementing the Plan
Start with Stable Instruments: Set up SCSS, PMVVY, and FDs for immediate income needs.
Allocate for Growth: Invest in balanced funds and dividend stocks for long-term growth.
Systematic Withdrawal Plan (SWP): Use SWP from mutual funds for regular income.
Monitor and Rebalance: Regularly review and adjust your portfolio.
Conclusion
With a diversified portfolio, combining stable income instruments and growth-oriented investments, you can achieve your retirement income goals. Regular monitoring and adjustments will ensure you stay on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9720 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 27, 2024

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Want to generate 1.5 lakh monthly after 5 years. Current investments are:- Equites: 81 lakhs, Mutual Funds Folios: 26 lakhs, PPF Ac:20 Lakhs and monthly sip is :25k
Ans: To achieve your goal of generating Rs 1.5 lakh per month after 5 years, let's assess your current investments and formulate a strategic plan.

Current Investments Overview

Equities: Rs 81 lakhs

Mutual Funds: Rs 26 lakhs

PPF Account: Rs 20 lakhs

Monthly SIPs: Rs 25,000

Analyzing Your Investment Portfolio

Your current portfolio is well-diversified across equities, mutual funds, and PPF. Each has its own benefits and growth potential.

Equities

Growth Potential: Equities offer high growth potential. They can significantly contribute to your wealth accumulation.

Volatility: Equities are volatile. They can experience sharp price movements.

Mutual Funds

Diversification: Mutual funds provide diversification across various sectors and assets.

Professional Management: They are managed by professional fund managers, which can lead to better returns.

PPF Account

Safety: PPF offers a safe investment with guaranteed returns.

Tax Benefits: PPF contributions and interest earned are tax-free.

Projected Growth and Strategy

Considering a balanced approach for the next 5 years:

Equities Growth: Assuming a moderate annual growth rate of 12% for equities.

Mutual Funds Growth: Assuming an average annual growth rate of 10% for mutual funds.

PPF Growth: Assuming a steady annual interest rate of 7% for PPF.

Recommended Adjustments

To optimize your portfolio and achieve your goal:

Increase SIPs in Equities and Mutual Funds: Consider increasing your monthly SIPs to boost your equity and mutual fund investments.

Rebalance Your Portfolio: Periodically rebalance your portfolio to ensure optimal asset allocation.

Focus on Actively Managed Funds: Actively managed funds have the potential to outperform index funds. They are managed by skilled professionals who can make informed decisions.

Avoid Direct Funds: Direct funds lack professional guidance. Regular funds with a Certified Financial Planner (CFP) offer better support and advice.

Income Generation Plan

After 5 years, your accumulated corpus can be structured to generate monthly income:

Systematic Withdrawal Plan (SWP): Use SWPs in mutual funds to generate regular income. This provides flexibility and tax efficiency.

Dividend Payouts: Opt for mutual funds with regular dividend payouts. This can provide a steady income stream.

Partial Withdrawals from PPF: Utilize partial withdrawals from your PPF account. This ensures you maintain liquidity while enjoying tax benefits.

Disadvantages of Index Funds

No Flexibility: Index funds track a specific index and cannot adapt to market changes.

Lower Potential for Outperformance: They aim to match market performance, not exceed it.

Benefits of Actively Managed Funds

Expertise: Managed by experienced fund managers.

Adaptability: Can respond to market conditions and opportunities.

Disadvantages of Direct Funds

Lack of Professional Guidance: Direct funds require you to manage your investments without expert help.

Time-Consuming: Monitoring and managing investments yourself can be time-intensive.

Advantages of Regular Funds with CFP

Professional Advice: A CFP provides tailored investment advice.

Better Planning: Helps in aligning investments with financial goals.

Peace of Mind: Ensures better financial health with expert support.

Final Insights

To generate Rs 1.5 lakh monthly after 5 years, focus on enhancing your current investments. Increase SIPs, rebalance your portfolio, and consider SWPs and dividend payouts for regular income. Avoid direct funds and index funds. Use actively managed funds with a CFP for better returns and professional advice.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9720 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 25, 2024

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I am 38 year old male, working in an IT company with a monthly take home salary of 3.07L and annual bonus of around 10-12L. I have 3 kids (7 yrs, 1 yr and 1 yr old) and my wife is a home maker. I have a 2bhk flat worth 65L and own two plots - worth 90L and 30L. Have just booked an under-construction 3 bhk flat recently with a housing loan of 1 cr with emi 1.15L- expecting a monthly rent of around 35k after completion in 2026. Have 3L in MF's and started investing 50k per month through SIP. Have 2L in PPF. Have around 8L in equity, which I use it regularly for generating some income through swing trading. Please suggest what is the best way to generate at least 7-8L yearly income in next few years so, it secures my kids education and other yearly expenses like car insurance (13k), term insurance (12k), LIC life insurance (39k) and family health insurance (20k)
Ans: Considering your financial situation and goals, let's delve into a comprehensive plan to generate a yearly income of at least Rs. 7-8 lakhs to secure your children's education and cover essential expenses.

Current Financial Snapshot
You're 38 years old, working in IT with a substantial monthly salary and annual bonus. Your investments include real estate, mutual funds (MFs), PPF, equity for swing trading, and insurance policies. Here’s a breakdown of your assets:

Real Estate: 2BHK flat worth Rs. 65 lakhs, two plots worth Rs. 90 lakhs and Rs. 30 lakhs.
Under-construction Flat: Expected to yield rental income of Rs. 35,000/month after completion in 2026.
Financial Investments: Rs. 3 lakhs in MFs, Rs. 2 lakhs in PPF, and Rs. 8 lakhs in equity used for swing trading.
Liabilities: Housing loan of Rs. 1 crore with an EMI of Rs. 1.15 lakhs.
Goals and Challenges
Your primary financial goals are to generate an annual income of Rs. 7-8 lakhs to secure your children's education and cover annual expenses like insurance premiums and others. Here’s how we can strategize:

1. Optimize Existing Investments
Real Estate:
Rental Income: Once your under-construction flat is completed, it can provide a steady rental income of Rs. 35,000 per month. Ensure the property is well-maintained and rented out promptly to maximize returns.
Equity and MFs:
Review Swing Trading Strategy: While swing trading can be lucrative, it’s volatile and time-consuming. Consider transitioning some equity investments into more stable instruments like diversified MFs for long-term growth without the day-to-day management.
2. Income Generation Strategies
Dividend Income:
MFs with Dividend Option: Invest in equity MFs that offer a dividend payout option. This can provide regular income without the need to sell assets.
Systematic Withdrawal Plan (SWP):
From MF Investments: Set up SWPs from your MF investments to generate a regular income stream. This allows you to withdraw a fixed amount periodically while keeping your investments intact for growth.
Rental Income:
Optimize Rental Yield: Ensure your rental properties are well-maintained and rented out at competitive rates. Consider periodic rent reviews to adjust income with market trends.
3. Insurance and Future Planning
Insurance Policies:
Review Premiums: Assess the adequacy of your insurance coverage and premiums. Consider surrendering underperforming policies (like LIC, ULIPs) if they don’t align with your financial goals and reinvest in more productive avenues.
Estate Planning:
Will and Inheritance: Ensure your estate planning is comprehensive, including the new flat and other assets. This can streamline asset distribution and minimize legal complexities for your family.
4. Long-term Financial Security
Retirement Planning:
Build a Corpus: Continue investing systematically towards retirement goals. Consider diversified avenues like MFs (actively managed), PPF for stability, and potentially explore other growth-oriented investments based on risk tolerance.
Emergency Fund:
Maintain Liquidity: Ensure you have an adequate emergency fund equivalent to 6-12 months' worth of expenses in a liquid form (like savings accounts or short-term deposits).
Final Insights
In conclusion, achieving a sustainable income of Rs. 7-8 lakhs annually requires a balanced approach combining stable investments, optimized real estate assets, and strategic financial planning. By aligning your investments with long-term goals and ensuring adequate risk management, you can secure your children's future and maintain financial stability.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Hie sir I got 79.80 in mht cet what college I can get in Mumbai And cast sc
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Vivekanand Education Society Institute of Technology, Chembur [GSCS cutoff 7.79–12.61]
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