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54-Year-Old Investor With 3.75 Cr. Seeks Portfolio and Retirement Advice

Milind

Milind Vadjikar  | Answer  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Oct 08, 2024

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more
Sanjeev Question by Sanjeev on Oct 02, 2024Hindi
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Hi Sir, iam 54 years old investor, recently resigned and active in shares trading and investing last 20 years. liquid assets approx. 3.75 cr. Rental income 33k and Gold another 1cr. Immovable property home and vacant shop 2 cr each. wife 51 yr old-home maker. Medical Policy 20 Lacs. household expenses 1.75 lacs inclusive of 45k of SIPs as per table. SCHEMES UNITS SIP VALUE AXIS LONG TERM - D 8247 240000 ADITYA BIRLA SL TAX RELIEF 96 D 759 150000 AXIS BLUE CHIP G 5702 375000 MIRAE ASSET LARGE CAP G 1151 130000 HDFC BALANCE ADVANTAGE D 6905 5000 285000 HDFC MID-CAP OPPORTUNITIES D 5616 5000 335000 ICICI PRU LIFE BLUE CHIP FUND G 6652 5000 750000 PARAG PARIKH LONG TERM G 6087 5000 500000 KOTAK FLEXI CAP FUND GROWTH 1694 145000 SBI BLUE CHIP GROWTH FUND 5814 550000 AXIS MIDCAP FUND DIVIDEND 2165 100000 SBI SMALL CAP REGULAR GROWTH 895 5000 170000 KOTAK EMERGING EQUITY FUND 1306 5000 180000 SBI LARGE AND MIDCAP FUND 261 5000 155000 MOTILAL NIFTY DEFENCE INDEX G 5000 45000 NPS 12000 10000 1700000 45000 5810000 Goals / Requirements : *Need following funds next year - daughter marriage 30 lacs and son education 50 lacs and my retirement corpus plus 15 lacs for car. *mutual fund portfolio re-alignment. Queries : *should i sell commercial shop and invest in FDs / MFs / Shares. Rental value is 50k which is less as compared to invest 2 cr in FDs also will fetch me 1.25 lacs per month. will be able meet next year requirement also without selling my liquid portfolio. *also should i go for SWPs for all inactive MFs upto to the extent of 45k to fund my SIP and NPS from allocation and can also increase the SIPs, if suggested. * should i increase NPS allocation by another 5k for better retirement prospects or any other suggestion related to retirement as to how much more money needed to meet ends.

Ans: Hello;

Query1:

Yes it is better to sell low rent yielding commercial property now, utilise the sell proceeds to fund you goals next year i.e. daughter's marriage, son's education and car purchase while the balance should be invested in mutual funds(equity savings type mutual fund)

Query 2:

Exit all inactive mutual funds and invest corpus(16.9 L) in Mirae Asset equity savings fund (low to moderate risk profile).

You should then start an SWP at 3.6% so as to generate income of 5 K for additional monthly allocation to NPS.

You should do SIP only in following 3 funds:
SBI hybrid equity fund(15 K)
HDFC balanced advantage fund (15 K)
ICICI Pru Multi asset allocation fund (15 K)

The taxation of these funds is like equity funds but they have exposure to alternate asset classes to impart some stability to corpus during extreme market fluctuations which is also suited for your age category.

Liquid assets+ gold+ NPS corpus will add up to approx 6.51 Cr which if annuitized will yield post tax monthly income of 2.15 L.

MF corpus may still grow to build up your inflation war chest.

Health care cover for family needs enhancement upto 50 L minimum as a safe precaution.

Reduce exposure to direct equity as you near retirement. You may continue trading as a hobby with a minimum risk capital with adequate knowhow, setup and temperament.

Happy Investing!!

You may follow us on X at @mars_invest for updates.

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.
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  |10848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 05, 2024

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Sir I am 78 years old. I have no liabilities. I have a house worth two corores. I am living with my daughter and son in law. They're extremely well off. Since I am living with my daughter I have no expenses. This is my background. My assets are as follows. 1) PPF RS.20lakhs. 2)PMYY SCHEME. 15Lakhs. 3) Fixed deposit 15 lakhs 4) Health insurance both 5lakhs each 5 ) Immovable property worth 5lakhs 6) Gold bond maturity value 1lakh 7) Physical gold and silver 20 lakhs 8) Shares worth 100000 rs.asof today 9) Mutual fund worth rs.18 lakhs as of today. Below l am giving details of the funds most of them purchased on issue price all regular growth. 1) Aditya Birla Sun Life focused equity fund Units 1200 2) DSP world gold fund growth regular Units 500 3) Franklin India flexi cap fund growth regular. Units 35 4) HDFC banking and financial services fund growth regular. Units 1160 5) HDFC defence fund growth regular Uni1000 6) HDFC mid cap fund growth regular Units 260 7) HDFC flexi cap fund growth regular Units 25 8) Hsbc value fund growth regular Units 430 9)Hsbc elss fund growth regular Units 490 10) Icici prudential Pharma and health care fund growth regular Units 780 11) Icici prudential India opportunities fund growth regular. Units 2200 12) Icici prudential manufacturing fund growth regular Units 3000 13) Icici prudential flexicap fund growth regular. Units5000 14) Icici prudential housing opportunities fund growth regular Units 2500 15) Icici prudential balanced advantage fund growth regular. Units. 550 16) Icici prudential psu equity fund growth regular. Units Units 2700 17) Kotak global innovation fund growth regular. Units 1200 18) Kotak international REIT fund growth regular. Units 500 19 ) Nippon india low duration fund growth regular. Units 10 20) Sbi blue chip fund growth regular Units 1000 21) Sbi infrastructure fund growth regular Units 500 22) Sundaram focused equity fund growth regular. Units 1300 23) Tata mid cap fund growth regular plan growth. Units 335 units 24)iUti nifty 500 fifty index fund growth regular. Units 18050 25)Uti flexi cap fund growth regular Units 1020 26)Uti small cap fund growth regular Units 5000 27) Uti master share units regular plan Units 210 28) Uti mid cap fund growth regular Units 700 29) Hdfc transportation fund growth regular Units 2500 Opinion required 1) I want to exit Kotak global innovation fund and Kotak international REIT fund and Dsp world gold fund. 2) I want to start 4 SIP of2500 rs. per month. a) Sbi blue chip fund b) Uti flexicap fund c) Multi asset fund of Hdfc or lclcl or Aditya Birla Sun Life d) not sure which fund Request you to suggest how to make best review of my investment. I would prefer to invest indirect growth instead of regular growth. Would it be convenient if invest inSWP or overnight fund or floater fund and give standing instruction to to invest in SIP? How to track my investments on daily basis ? Waiting eagerly for your reply. Your's sincerely PS: All nomination in the name of my wife. She is equally well invested in Bank FD PMVYYOJANA AND PPF and MF (very small amount of 5lakhs as today.
Ans: It seems you have a diversified investment portfolio, which is commendable. Here are some suggestions based on your requirements:

Exit Strategies:

Exiting funds that no longer align with your investment goals or if you wish to reduce exposure to certain sectors is a prudent move.
New SIP Allocation:

Starting SIPs in well-established funds across different categories such as large-cap, flexicap, and multi-asset funds can offer diversification and potential growth.
SWP or Systematic Withdrawal Plan:

SWP can be a suitable option if you wish to generate regular income from your investments. Consider reinvesting the redeemed amount into a liquid or floating rate fund, depending on your liquidity needs and risk tolerance.
Tracking Investments:

Utilize online platforms provided by mutual fund houses or third-party financial aggregators for tracking investments. Maintain a consolidated spreadsheet or use investment tracking apps for easy monitoring.
Nomination and Legal Aspects:

Ensure all investments and assets have proper nomination details and legal documentation. Keep your spouse informed about the investment details and maintain organized documents for easy access.
Consult a Financial Advisor:

Seek guidance from a qualified financial advisor to tailor your investment strategy according to your financial goals and risk tolerance.
Prioritize risk management and ensure your investments align with your objectives. Regularly review your portfolio's performance and make adjustments as needed to stay on track towards achieving your goals.

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Milind

Milind Vadjikar  | Answer  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Oct 24, 2024

Asked by Anonymous - Oct 23, 2024Hindi
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Dear Arora Sir, I am 51 yr old , Staying in NCR (Rental); Old Parental House in Lucknow (Vacant, To be sold later, Approx Cost - 60 L); *18.90 L PA salary (In hand), Expenses 10.0L PA (Inclusive of House expenses, Electricity , House rent , Term Insurance Premium, Medical + super Top up Premium, Car Loan for next 32 month etc), 2 Term plan - 1.75 Cr (Cummulative SI) ; Daughter (1 no, 20 yrs) - Higher Education & Marriage, Son (1 No, 13 yrs) - Higher Education & Marriage; New house to purchase (In Lucknow in next 5-6 years after selling the existing Parental house , Budget: 75L - 85L);; * Investments : PPF (25th Term Running): 24 L ; Sukhanya (Daughter's ) : 4.0L; Shares : 10.0 L. I also earn approx 1.0 Lacs / yr from Interest + Dividends which is again reinvested in SIP. * Monthly investment is 72K in Mutual Fund SIP. SIP in Progress: DSP Elss D/G - 8000/- ; Nippon Mid Cap D/G - 5000/-; Nippon Multi Cap D/G - 8000/-; Parag Flexi Cap D/G - 5000/- ; Quant Elss D/G - 8000/- ; Mirae Elss D/G - 6000/- ; ICICI Pru Val Disc D/G - 7000/-; HDFC Def D/G - 5000/-; HDFC Flexi Cap D/G - 5000/-; HDFC Mfging D/g - 5000/-; HDFC Mid Cap opportunity D/G - 5000/- ; HDFC Top 100 D/G - 5000/- ; My choice of selecting MF House & Scheme is mainly word of mouth / Google etc.. not much of research !! * SIP Completed lying dormant (Units available) : Axis Bluechip D/G - 4287 units; Axis Elss D/G - 8049 units; Axis Elss D/IDCW - 4342 units; Sundaram Mid Cap D/G - 1123 units; UTI Nifty 50 index D/G - 3021 units ; ABSL Frontline Equity D/G - 4763 units ; DSP Top 100 D/G - 2203 units ; HDFC Hybrid - 5862 units; HDFC Top 100 D/IDCW - 3640 units ; HSBC ELSS R/IDCW - 1840 units ; HSBC ELSS D/IDCW - 259 units ; ICICI Pru Bluechip D/G - 4267 units ; ICICI Pru Multi Asset D/G - 1775 units ; Mirae Large & Mid Cap D/G - 3395 units ; Mirae ELSS D/IDCW - 8861 units; Nippon Large Cap D/G - 9915 units; Nippn Elss D/IDCW - 12705 units ; Quantum Long Term Equity D/G - 9702 units; I have been Investing from 1998 onwards in SIP ; Till now total invested in SIP : 66L ;; current value is 1.74 Cr). My Wish List : To make approx 10CR after 9 years (Retirement); So please Suggest / Guide me , how to move forward with current investments or any restructure is reqd. Thanks in Advance.
Ans: Hello;

Your corpus value 9 years hence will be 7.80 Cr.

This working includes sip corpus, ppf, ssy, stock holding, dividend/interest reinvestment in SIPs, dormant sips future value after 9 years and parental house current value.

You may redeem the IDCW scheme dormant SIPs and reinvest the proceeds in current sip funds equally as lumpsum.

Regarding existing SIP funds, I suggest you to remove thematic funds like HDFC defence and HDFC manufacturing funds and redirect those SIPs into PPFAS flexicap fund and HDFC Top 100 fund.

Please confirm the EPF and NPS, if any, corpus available to you which can supplement the corpus gap of 2.2 Cr.

The prospect of sip enhancement or top-up to meet target shortfall is prohibitively high hence unfeasible.

Please feel free to revert.

Happy Investing;

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Ramalingam

Ramalingam Kalirajan  |10848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 02, 2025

Money
Hello Sir, Myself Deepak Kumar Age 48 years . Monthly in hand salary 80000/- . Goals -1) Needs 20 LAKH after 7 years for daughter's marriage. 2) Needs 24 lakh in 8 years close my outstanding home loan ( PAYING EMI 32000/- BALANCE TERMS 8 YERAS) 3) Needs 1.5 Crore after 10 years for retirement . Currently RUNNING sips_ of total 23000/- per month . 1) HDFC TOP 100 FUND( Direct Growth) 1500 /- 2) HDFC HYBRID FUND ( Direct Growth) 1500/- 3) MIRAE ASSETS EMERGING BLUE CHIP ( Direct Growth) 4500/- CANARA ROBECO SMALL CAP( Direct Growth) 4000/- PRAG PARIKG FLEXI CAP( Direct Growth) 2500/- QUANT SMALL CAP ( Direct Growth) 2500/- QUANT ELSS TAX SAVER(Direct Growth) 2500/- NIPPON INDIA SMALL CAP FUND ( Direct Growth) 4000/- Total corpus in sips as on date- 24 lakhs . 2) EPFO - 22000/- PER MONTH( BOTH EMPLOYEE AND EMPLOYER SHARES) - total CORPOS IN EPFO AS ON DATE -20 LAKHS. 3) Sukanya SAMRIDHi 1000/month- total Corpus IN SUKANYA SAMRIDHI AS ON DATE 40326/- 4) PPF 1000/month- total CORPUS IN PPF AS ON DATE 1 LAKH 5) LIC 2500/month-total CORPUS IN LIC AS ON DATE 5 LAKH ( ON MATYRITY 10 LAKHS IN YEAR 2035) 6) Atal pension yojana ( SELF & WIFE) 2514/ month .total CORPUS IN APY AS ON DATE 3. 5 LAKHS ( AFTER 12 YEARS 5000\- PENSION TO ME AND 5000/- TO MY WIFE. Please advice if needs any change in the savings to achieve the above goals
Ans: Your dedication to disciplined saving is commendable. I see your goals are important and well-structured. Let me review your savings and guide you to achieve them. I will share insights, suggest changes, and ensure your plans are 360-degree focused.

Let’s look at each area carefully.

Current SIP Portfolio Review

Your SIP portfolio is quite diversified.

It includes large-cap, hybrid, small-cap, and flexi-cap funds.

The total monthly SIP is Rs 23,000, which is good.

But you have many small-cap funds.

Small-cap funds are more risky and can be volatile.

You should balance your funds by including more large-cap and hybrid funds.

Flexi-cap funds are good for diversification and can balance the risk.

Having too many funds can create confusion and overlap in investments.

It is better to streamline the number of funds to 4 or 5.

Regular review of SIP performance is essential every year.

Instead of direct funds, consider switching to regular plans.

Regular plans give you a Certified Financial Planner’s advice and help.

Direct funds do not have advisory support.

Without advice, wrong fund selection can lead to poor performance.

Paying a small fee in regular funds is worth the professional help.

This will help you achieve your goals in a planned manner.

Please consider this change for better results.

EPF and Retirement Planning

EPF contribution of Rs 22,000 per month is very good.

EPF is a safe and long-term product.

It will support your retirement well.

But you need Rs 1.5 crore after 10 years.

Your EPF will not be enough for this goal alone.

Your SIPs and EPF together can help if managed properly.

Retirement is your most important goal.

Do not compromise your retirement for other goals.

Keep your EPF untouched until retirement.

Avoid taking loans or early withdrawals from EPF.

This will ensure a secure future after retirement.

You should also increase your monthly SIP slowly.

Whenever your salary increases, increase your SIP by 10-15%.

This will help build a bigger retirement corpus.

Working with a Certified Financial Planner will ensure your retirement target is met.

Daughter’s Marriage Goal

You need Rs 20 lakh after 7 years for your daughter’s marriage.

This is a clear goal with a defined time horizon.

You should allocate a portion of your SIPs for this goal.

Avoid small-cap funds for this short-term goal.

Choose large-cap and hybrid funds with stable growth.

They are less risky and can meet the 7-year goal better.

Review the corpus every year.

Adjust the SIP amount if needed to meet the target.

Avoid withdrawing from this corpus early for other needs.

Keeping it separate ensures clarity and discipline.

Home Loan Repayment Goal

You need Rs 24 lakh after 8 years to close your home loan.

This is also a defined goal with a specific time frame.

Use hybrid funds and large-cap funds to accumulate this corpus.

Small-cap funds are too risky for an 8-year goal.

Review the home loan goal corpus every year.

Make sure your SIP allocation is enough to meet this goal.

If the goal is not on track, increase SIPs for this goal.

Prepaying home loan is a good idea as it saves interest costs.

Do not use retirement corpus for loan prepayment.

Keep your goals separate and focused.

Other Existing Investments

Sukanya Samriddhi of Rs 1000 per month is a great step for your daughter.

Continue this as it gives guaranteed returns and tax-free benefits.

PPF of Rs 1000 per month is a secure option.

Keep contributing to PPF for safe growth.

LIC policy is maturing in 2035 with Rs 10 lakh maturity value.

LIC policies are low-return plans.

It’s better to surrender them and reinvest in mutual funds.

ULIP and insurance-cum-investment policies do not give good returns.

By surrendering, you can put the money into mutual funds for better growth.

Keep Atal Pension Yojana as it gives pension benefits to you and your wife.

Do not rely only on this pension.

It should be seen as an extra source of income in retirement.

Your main retirement corpus will be your EPF and mutual funds.

Keep tracking and aligning these investments.

Streamlining Your SIPs and Fund Choices

You have 8 funds right now in SIP.

Too many funds lead to duplication and confusion.

I suggest reducing it to 4-5 funds.

Choose 1 large-cap fund, 1 hybrid fund, 1 flexi-cap fund, and 1 mid-cap fund.

This mix will give stability, growth, and manage risk.

Large-cap funds are more stable in volatile markets.

Hybrid funds balance equity and debt for steady returns.

Flexi-cap funds can adjust allocation based on market conditions.

Mid-cap funds can add some extra growth potential.

Avoid small-cap funds for short-term goals.

Small-cap funds can be volatile and risky in 7-8 years.

Keep small-cap exposure only for long-term retirement goal.

Reviewing your fund performance every year is critical.

Switch underperforming funds if needed after proper evaluation.

Disadvantages of Direct Funds

Direct funds do not involve advice or professional help.

Without help, you may choose funds based on wrong information.

Poor selection can lead to losses and not meeting your goals.

Market conditions change.

Without advice, you may miss opportunities or risks.

Investing through a Certified Financial Planner in regular funds ensures guidance.

Regular funds may have a small fee.

But this fee covers expert advice and goal tracking.

In the long run, this improves returns and reduces mistakes.

Direct plans are better for experts only.

For most investors, working with a CFP using regular plans is safer and more effective.

Taxation and Rebalancing

When you sell mutual funds, capital gains tax is applicable.

For equity funds, LTCG above Rs 1.25 lakh is taxed at 12.5%.

Short-term capital gains are taxed at 20%.

Debt funds are taxed as per your income slab.

Keep this in mind when withdrawing funds for goals.

Plan redemptions to minimise tax impact.

Rebalance your portfolio every year.

Rebalancing helps maintain the right mix of equity and debt.

It also keeps your risk in check and ensures smooth growth.

Your CFP can guide you on when and how to rebalance.

Risk Management and Emergency Planning

Always keep an emergency fund of at least 6 months’ expenses.

This can be in a liquid fund or a savings account.

Emergency fund protects your SIPs and long-term plans during tough times.

Your current insurance covers are good.

Keep them updated as family and income grow.

Health insurance is very important to avoid sudden big expenses.

Life insurance should be only term insurance for maximum cover at low cost.

Surrender any traditional insurance plans and ULIPs for better returns in mutual funds.

This will ensure your family is protected while wealth grows faster.

Finally

You have a strong habit of saving and investing.

Keep SIPs aligned with your goals and review them regularly.

Reduce the number of funds and switch to regular funds for better guidance.

Use large-cap, hybrid, flexi-cap, and mid-cap funds for balance.

Surrender LIC plans and reinvest for better growth.

Do not withdraw EPF and PPF. Let them grow for retirement.

Work closely with a Certified Financial Planner to track progress.

Increase your SIPs whenever income increases.

This small step will build a much bigger corpus over 10 years.

Follow this disciplined approach and stay patient.

You will achieve your goals with a secure and comfortable retirement.

Keep reviewing your goals every year.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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Nitin

Nitin Narkhede  | Answer  |Ask -

MF, PF Expert - Answered on Jul 02, 2025

Money
I am 46 year old with monthly joint salary (incl. Wife) of 3.03L per month take home with 10% annual increment. I have investments in MF 33.76L (LC 15.56 + MC 8.9L + SC 2.9L + Silver +& Gold 2.19L + Debt 1.7L + orhers 2.46). I have invested in ETF 2.13L (LC 58K + MC 27K + SC 27K + Debt 21K + Gold 80K). Further Invested directly in Stocks through Demats 15.69L (LC 6L + MC 4.64L + SC 4.63L). I have FDs 18.44L & Kalyan fold scheme 1.8L maturing in 2025 end, 2026, 2027. I have ICICI PMS ( LC 26.18L + Contra 25.91 L) since 12 June 2024. I make monthly SIPs of 248200 (MF 98K + ETF 30K + Kalyan Gold deposit scheme of 20K + Stocks 50K + FD 50K). MY monthly EMIs are 51523 (Home Loan 21523 balance 33 EMI + 2 Car Loans 30000 Balance 35 EMI). My son is in Class 10th seeking Architecture career till Masters i.e. further education of 9 years). I have flat rented with monthly 14K rent from Indirapuram Ghaziabad 2BHK flat purchased in 2011 and 2.8K monthly Metlife payout balance for 15 years. My wife runs Eurokids Preschool Franchise and takes care of home expenses with her business turnovwr presently about 20L per annum. I want to take gap of 2 years for my sons +2 studies from Kota to prepare for Architectural exams (JEE paper 2, Advance, NATA and CAA), focus on my health (I am diabetic for last 15 years) and enhance my skills in BIM in civil engineering. I have family health insurance of 15L annually and Life Insurance of 10L from Aviva & LIC maturing in 3 years with additional payout of 12.75L. My monthly house Expenditure is only 20-30K incl. Payout to my mother, grocery and others as we have settled in Dhanbad with another 3BHK loan free house and preschool small business. Shall I return back to salaried work after 2 years gap to increase my current investment corpus of 1.32 Cr targeted for 1.5Cr. By March 2026 as I have been wolkaholic for past 22 years career?. Can plan my retirement with 1.5 cr corpus with SWP for living and carryover with Quantity & Contracts Consultant through work from home for pleasureas empty mind is devil'shome? Your expert advice shall be highly advisable in my future decision making.
Ans: With minimal expenses, good insurance coverage, and disciplined investing, reaching a ?1.5 Cr corpus by March 2026 is achievable. Post-gap, part-time consulting is advised to maintain income and engagement. Retirement with a ?1.5 Cr corpus is feasible if supplemented with SWP, rental income, and occasional consulting. Regular review, strategic reallocation, and a separate education fund will ensure financial stability and peace of mind. The current strategy is sound and sustainable.
You’ve built a solid foundation — taking a 2-year purposeful pause is not only justified, it’s well-earned. With minimal liabilities, diversified income, and ongoing SIPs, your target corpus and long-term retirement needs are well within reach. Returning to work as a contract consultant after 2 years is a great way to ease into semi-retirement with dignity, fulfillment, and financial security.

You're on the right path, Amit — just continue to review and rebalance every 6 months.

Regards, Nitin Narkhede -Founder, Prosperity Lifestyle Hub,
Free webinar https://bit.ly/PLH-Webinar

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Anu

Anu Krishna  |1735 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 18, 2025

Asked by Anonymous - Nov 11, 2025Hindi
Relationship
Dear madam I have this suitaution in my life. Plz do guide me with this. So i have 2 married sisters and a brother with who i dont get along well. We used to be close back then. Later on my father passed away and then i got busy searching work. After getting work i got carried away with my newly found friendship with a boy i started spending much on him rather then my family. But still then i never neglected my family every kind of help i tried to give them. In the meanwhile i used to take care of my bedridden grandmother who used to stay in another state. Then my second sister started feeding everyone's mind against me saying i dont help them with money and i spend most on my grandmother and cousin. Though my sister were earning well still they waited me to spend on them which i stopped by then as they were earning. And there used to be a real good fight with my sisters and me regarding money issue and als my marriage thing and i gave them bitter words and also curses which i regret to this day thinking how could i do hated thing to my family .In next few years my sister got married but my second sister never invited me for her marriage and did all her wedding plans in my absence and i als never attended her wedding. I attended my 3rd sister wedding. After that my second sister plotted a plan against me by taking everyone on her side and kept me out of all the family functions. I just ignored them and decided to never to get bothered by any of this. Now the problem my 3rd sister is pregnant and they have planned a babyshower and like they are just telling me to attend it. To be honest they just told me a day before the function. How to handle this. Should i attend? And how to deal with such kind of people they seem to take advantage of my helpless. Please guide me on how to become a strong girl while taking desicion.
Ans: Dear Anonymous,
Learn the skill of staying away from all this drama. If you felt secure with who you are, you wouldn't think much whether you got invited or not. Do remember, people will be on your side sometimes and not on your side at other times. This goes for friends are family; so learn to be comfortable with that...
What you did for your grandmother is a choice that you made; why expect anything in return?
Life lived with least expectations is certainly a happier life...counting what people did or didn't do will take away your peace!
Real strength is not in fighting it out but knowing when to walk away from constant drama.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Anu

Anu Krishna  |1735 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 18, 2025

Ramalingam

Ramalingam Kalirajan  |10848 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 17, 2025

Money
Dear Sir, What is the best % of SWP one can think of from Portfolio value. I am retired now and have say 1 Cr as MF and Share portfolio. I want to go for 40000 SWP per month thereby making 4.8% as SWP. If this is good to have this for 15 yrs
Ans: Your question shows great care for your financial future. Many retirees ignore this step. You have already taken a wise move. You want steady income. You want safety. You want long life for your money. These are very important points. I truly appreciate your clarity.

» Understanding your present plan
Your idea is simple. You have Rs 1 crore. You want Rs 40000 each month. This means Rs 4.8 lakh each year. That is 4.8 percent of your money. This is not very high. This is not very low. It sits in the middle range. Many retirees try for 7 or 8 percent. That can put pressure on the portfolio. Your 4.8 percent is more reasonable. It supports discipline. It keeps stress low.

Your idea is for 15 years. That is a good time frame. It gives space for your funds to grow. It gives time for market cycles. It also gives time for inflation adjustments.

» Why withdrawal rate matters
Your SWP rate decides how long your money will last. A high rate can drain funds soon. A very low rate may not support your monthly needs. Your 4.8 percent sits well. It balances life needs and portfolio health.

When you draw money from a mixed portfolio, the growth side helps refill your withdrawn money. The stability side helps reduce fall during bad years. This mix helps the SWP stay steady.

» Why a proper structure is important
A SWP is not only a monthly withdrawal. It is a full system. The system needs planning. It needs regular reviews. It needs a clear asset split. It needs a cushion for weak market years.

If you set this structure well now, your SWP can stay safe. Your money can stretch for many years. You can keep peace of mind.

» The importance of a balanced mix
Your portfolio may hold equity funds, hybrid funds, and debt funds. A clear mix reduces risk. It gives smooth cash flow. Equity gives growth. Debt gives steady flow. Hybrid gives balance.

Because you want monthly income for 15 years, you need a balance that supports steady SWP. A pure equity plan can shake too much. A pure debt plan may not grow at a good pace. A balanced mix is ideal.

» Equity funds need careful use
Some investors put large money in equity for SWP. This can work in strong markets. This can fail in weak markets. Your SWP must survive both market moods. That is why pure equity for SWP is not safe.

Also, you should prefer actively managed funds over index funds for long SWP. Index funds follow the index blindly. They do not manage risk actively. They cannot adjust to market cycles. Actively managed funds have a professional fund manager. A skilled manager helps in limiting risk in low years. This helps protect principal in SWP years. This support is not present in index funds.

» Debt funds form the stabiliser
Debt funds bring peace to the portfolio. They help during bad market years. They help the SWP stay steady. Because debt funds follow market rates, they work as the anchor. For SWP, this anchor is very helpful.

If you use direct debt funds, you must remember that direct funds need more tracking. They need active reviews by you. Many retired investors find this hard. Regular plans taken through a qualified Mutual Fund Distributor with CFP skill provide guidance. Regular plans also give handholding. This handholding helps avoid wrong exits.

» How to view your Rs 40000 monthly need
You may need some money for basic needs. You may need some money for health care. You may need some money for family support. You may need some money for personal comfort. Rs 40000 per month seems a balanced number.

It does not put too much pressure on the money. It is not a very heavy load. It fits well with a Rs 1 crore fund.

» Inflation needs attention
Inflation will rise. Costs will rise. Your need will rise. Your SWP should rise slowly over time. You cannot fix your SWP for 15 years at one number. That may reduce your buying power.

A small rise every two or three years will help you beat inflation. This rise must be slow. It must match your portfolio growth.

» Risk of sharp market falls
Sharp falls can disturb SWP. A sudden big drop in equity value can pull down your portfolio. This may cause you to withdraw when market is low. That is not good. To fix this, you need enough stability in your mix.

A proper allocation in debt funds and hybrid funds can reduce this issue. You will get smoother cash flow. You will not have to worry about market news every day.

» Role of emergency money
Please keep an emergency amount. Keep this aside. Do not include it in your SWP plan. You may need money for urgent health needs. You may need money for home needs. Emergency funds help you avoid sudden selling.

A good emergency fund gives peace. It protects your SWP from sudden shocks.

» Tax rules for withdrawals
Every SWP withdrawal may include some gains. Tax will apply based on the type of fund and the gain period. This tax can have impact on net flow. You must plan for this in your withdrawal design.

Equity fund rules:

Gains under one year are short-term. These are taxed at 20 percent.

Gains above one year are long-term. Long-term gains above Rs 1.25 lakh are taxed at 12.5 percent.

Debt fund rules:

Both short-term and long-term gains are taxed as per your tax slab.

This tax part should not scare you. A proper plan can reduce the tax burden. A planned SWP can help you manage gains carefully.

» Why a Certified Financial Planner helps
You may handle small things by yourself. But retirement planning is delicate. One wrong move can disturb the whole plan. A Certified Financial Planner gives a clear road map. He helps you set the best mix. He reviews the plan every year. He adjusts the plan for market and life events.

This guidance is very useful in SWP because SWP needs discipline.

» Why not consider real estate
Some retirees think of using real estate for income. But real estate needs heavy work. It needs tenant work. It needs repair work. It needs legal care. It gives lumpy income. It gives no steady flow. So it is not fit for SWP planning.

Your present goal is steady income. Real estate will not give this.

» Why not consider annuities
Annuities give fixed income. But they lock your money. They give low returns. They do not beat inflation well. They reduce flexibility. For these reasons, they are not ideal for your long-term income.

Your idea of SWP with balanced mix is better.

» Keeping your portfolio healthy for 15 years
To keep your portfolio safe for 15 years, you must follow some habits:

Review every year with a Certified Financial Planner.

Adjust asset mix if needed.

Increase SWP amount slowly.

Reduce SWP for one or two years if markets fall very deep.

Protect your money from emotional moves.

Keep a two-year buffer in a low-risk fund.

Keep your growth part running for long.

These habits help your money last for the full 15-year horizon.

» Regular review helps you adapt
Markets will change. Your health may change. Your needs may change. A yearly review will help align your plan. It will help spot issues early. It will help guide the next year’s SWP.

Without reviews, even good plans can fail.

» Why a two-year cushion helps
A cushion fund is a simple idea. Keep two years of SWP in a low-risk debt fund. This money helps you draw income even in bad market years. You will not need to sell equity in weak phases. This protects your overall money. This makes your SWP more stable.

This cushion fund is an extra shield. It supports your 15-year income plan.

» Role of diversification
Your SWP works best when your portfolio is spread well. A spread can include:

Actively managed equity funds.

Hybrid funds.

Debt funds.

This spread reduces risk. It gives smoothness. It supports long-term income.

Avoid using too many funds. Keep it simple. A small number of quality funds is better.

» How your 4.8 percent looks in practice
A 4.8 percent withdrawal rate is comfortable for a 15-year horizon. If you follow discipline, your money will not face heavy pressure. If your portfolio grows at a steady pace, your principal will not erode fast. Even if growth shifts between years, the mixed structure will protect you.

Your plan is workable. It is sensible. It is future-friendly.

» Mistakes to avoid
Here are some mistakes you should avoid:

Do not chase high-return funds.

Do not raise SWP sharply in one year.

Do not keep too much money in equity.

Do not stop reviews.

Do not shift funds often without reason.

Do not look at direct plans if you prefer guidance.

These mistakes can disturb your portfolio health. Your SWP may suffer.

» Why not use direct funds if you need support
Direct plans give lower cost. But they give no guidance. Retired investors often need guidance. They need reviews. They need discipline. A regular plan through a qualified Mutual Fund Distributor with CFP skill gives support. It prevents panic reactions. This support is valuable in low market years.

» Healthy mindset for SWP
Try to see your SWP as a long journey. It needs calm mind. It needs steady steps. It needs slow corrections. It needs patience. If you stay steady, your SWP will stay healthy. You will enjoy peace.

» Practical steps you can start now
You may start with these steps:

Set clear needs for each year.

Fix a proper asset split.

Create a cushion fund for two years.

Start SWP from a low-risk fund or hybrid fund.

Keep equity for growth.

Add small hikes in SWP every few years.

This system supports long-term income.

» How your plan supports a joyful retired life
Your plan helps you live with comfort. It gives predictable cash flow. It gives you freedom from worry. It gives you clarity. You can focus on health, family, and peace. You do not need to watch markets each day.

Your retirement life becomes balanced.

» Final Insights
Your idea of taking Rs 40000 per month from a Rs 1 crore portfolio at 4.8 percent is workable. It fits well for a 15-year horizon. It supports your income. It protects your money if you set a balanced mix. You must follow steady reviews. You must keep a small cushion. You must avoid risky moves.

With these practices, your SWP plan can stay healthy for many years. Your future can stay peaceful and steady. You have already taken the right first step. Your clarity gives your plan strong power.

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

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

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Dr Nagarajan J S K

Dr Nagarajan J S K   |2567 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Nov 17, 2025

Asked by Anonymous - Nov 17, 2025Hindi
Career
Is it worthwhile being an mbbs only doctor in India or is pg necessary as somebody who cannot toil 24-36 hours (as is the case with hospital duties) and is not well adequate for working under somebody and then do you still have to study after mbbs to level up or will you be contented with just mbbs. Pls don't answer objectively i really need to see the real picture
Ans: Hi Dr.
Recently, I've seen many different comments on social media suggesting that finding a job after completing an MBBS is very difficult, with some graduates even working as delivery boys.

I believe MBBS is one of the few courses that allows for immediate entrepreneurship after graduation, while other fields often require additional support to start a business. Many medical shop owners are willing to provide a small space for consultations, which is not typically an option for graduates in other disciplines.

If you are financially constrained, it may be wise to stop after completing your MBBS degree for the time being. However, pursuing a postgraduate degree (PG) significantly increases your opportunities, including potential roles in the pharmaceutical industry. Without a PG, your options may be limited. It's akin to the difference between a normal grocery store and a supermarket: completing a PG can lead to positions in corporate medical hospitals.

Initially, you might consider working at a smaller practice or in the government sector before pursuing higher education. While having an MBBS degree allows you to offer consultations, having a PG provides you with more credibility and knowledge. Understand your strengths and weaknesses, and don’t worry about others—proceed based on your own abilities and circumstances.
BEST WISHES.

...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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