iam holding tata steel 500 shares bought @105, not much appriciation since 2 months what shall i do

Ans: Congratulations on your recent marriage and proactive approach to financial planning! To retire comfortably by the age of 45 to 50 years, it's essential to continue your disciplined saving and investment approach while managing your debt effectively. Here's a suggested plan of action:

Reevaluate Insurance Policies:
Reconsider your contributions towards Tata AIA and Bajaj Allianz policies, as they may not offer optimal returns for your retirement goals. Consider consulting with a financial advisor to explore exit options and minimize further contributions.
Explore Mutual Fund Exit Strategies:
Assess the exit options for the Tata AIA and Bajaj Allianz policies to potentially redirect those funds into more efficient investment avenues.
Investigate the possibility of systematic withdrawal plans (SWP) in mutual funds to provide a regular income stream during your retirement years.
Optimize Mutual Fund Investments:
Redirect the funds from the insurance policies towards more suitable investment options, such as mutual funds with a diversified portfolio of equity and debt securities.
Continue investing in Axis Mutual Funds with a focus on achieving short-term financial goals, but ensure alignment with your overall investment strategy and risk tolerance.
Manage Debt Strategically:
Prioritize paying off your gold purchase debt within the agreed-upon timeframe to avoid unnecessary interest payments.
Explore opportunities to optimize your debt repayment plan and allocate any surplus funds towards debt reduction to achieve financial freedom sooner.
Review Financial Plan Regularly:
Regularly review your financial plan to track progress towards retirement goals and make necessary adjustments based on changes in your financial situation and market conditions.
Seek guidance from a Certified Financial Planner to develop a comprehensive financial plan tailored to your specific needs and aspirations.
By reassessing your insurance policies, optimizing mutual fund investments, managing debt strategically, and seeking professional financial advice, you can work towards achieving your retirement goals more effectively and efficiently.

Ans: Investing your inheritance of 40 lakhs in mutual funds with a diversified balanced portfolio is a prudent approach to potentially grow your savings for a future down payment on a home in Delhi NCR. Here's a suggested approach:

Define Your Investment Horizon and Risk Tolerance: Given your goal of accumulating a down payment within 5-8 years, it's crucial to align your investment horizon with the timeline of your objective. Also, assess your risk tolerance to determine the appropriate allocation between equity and debt funds.
Asset Allocation: Since your investment horizon is relatively short-term (5-8 years), consider a balanced portfolio with a mix of equity and debt funds. Allocate a larger portion to debt funds to mitigate the impact of market volatility and ensure capital preservation. A typical allocation could be 60% in debt funds and 40% in equity funds.
Choose Mutual Funds: Select mutual funds with a proven track record of delivering consistent returns over the long term. Opt for diversified equity funds with exposure to large-cap and mid-cap stocks for growth potential, along with debt funds such as short-duration or dynamic bond funds for stability.
Systematic Investment Plan (SIP): Invest your lump sum amount through SIPs to benefit from rupee-cost averaging and reduce the impact of market volatility. Set up a systematic investment plan to invest a fixed amount at regular intervals, ensuring discipline and consistency in your investment approach.
Regular Monitoring and Review: Monitor the performance of your mutual fund investments regularly and review your portfolio periodically to ensure it remains aligned with your goals and risk tolerance. Consider rebalancing your portfolio if necessary to maintain the desired asset allocation.
Regarding financial advisory services, consulting with a Certified Financial Planner can provide personalized guidance tailored to your financial goals, risk tolerance, and investment horizon. A financial advisor can help you develop a comprehensive investment plan, navigate market fluctuations, and make informed decisions to achieve your objectives.

Ans: With your financial portfolio, it seems like you've made significant strides towards financial security. However, determining whether you can comfortably retire depends on various factors such as your desired lifestyle in retirement, anticipated expenses, and expected returns on your investments.

Here are some steps to assess your retirement readiness:

Evaluate Retirement Expenses: Estimate your retirement expenses, including living costs, healthcare, leisure activities, and any other anticipated expenditures. Ensure to account for inflation to maintain your purchasing power over time.
Assess Retirement Income: Calculate your expected retirement income from sources like EPFO, PPF, mutual funds, stocks, FD interest, and NPS. Consider the reliability of these income streams and potential fluctuations in returns.
Conduct Retirement Projection: Use a retirement calculator or seek assistance from a financial planner to project whether your retirement savings can cover your estimated expenses throughout your retirement years. Factor in your current age, life expectancy, inflation, investment returns, and any unexpected expenses.
Review and Adjust: Regularly review your retirement plan and make adjustments as needed based on changes in your financial situation, goals, and market conditions. Consider rebalancing your investment portfolio to manage risk and optimize returns.
Based on the information provided, it seems like you've accumulated a substantial retirement corpus. However, the adequacy of your savings depends on various individual factors, and it's crucial to assess your specific circumstances comprehensively.

Consider consulting with a Certified Financial Planner who can conduct a detailed analysis of your retirement readiness, provide personalized recommendations, and help you navigate your transition into retirement with confidence and peace of mind.

Ans: To estimate the corpus you need to target for your future financial goals, such as retirement, it's essential to consider various factors like inflation, lifestyle expectations, and investment returns. Here's a general approach:

Determine Retirement Expenses: Estimate your future expenses considering inflation, healthcare costs, and lifestyle preferences. Since you currently spend 50,000 per month, adjust this amount for inflation over the next 30 years to determine your future monthly expenses.
Calculate Retirement Corpus: Multiply your estimated future monthly expenses by 12 to get your annual expenses. Then, use a retirement calculator to determine the corpus required to sustain these expenses annually for your expected retirement duration, considering inflation and investment returns.
Investment Strategy: Once you have your target corpus, you can plan to achieve it through systematic investment strategies like SIP (Systematic Investment Plan) in Mutual Funds. Invest in a mix of equity and debt funds based on your risk tolerance and investment horizon. Equity funds offer higher growth potential but come with higher volatility, while debt funds provide stability and capital preservation.
Regular Review: Periodically review your investment portfolio to ensure it remains aligned with your financial goals, risk tolerance, and market conditions. Adjust your investment strategy if necessary to optimize returns and manage risk effectively.
To get a more accurate estimate of your retirement corpus and investment strategy, consider consulting with a Certified Financial Planner. They can provide personalized advice tailored to your financial situation and help you create a comprehensive retirement plan that accounts for inflation and other variables.

Ans: Executive MBA is usually for students with 5+ years work experience. With 21 years work ex one can do Executive MBA, but not sure how useful it will be to drive your career. There are courses from some top colleges for Mid Management staff. But I don't think they provide placements. Having 21 years experience would not be considered as a great advantage to reduce your requirement of GMAT score unless you have a really good work ex,

Ans: I have known students working in PSU banks doing Executive MBA after working for 5+ years. They eventually get placed in MNC Banks. So write the GMAT and try applying to colleges like IIM A B C ISB XLRI for executive MBA course. Do some research before you start your journey.

Ans: Some children are more active than others. Engage her in play which will absorb her like puzzles or play dough. Read stories to her and do not show her the mobile, tablet or tv . Shouting will only teach her to shout back when she is upset or frustrated. Needless to say, hitting is a no- no

Ans: You can do MBA in whichever field you are interested in. If you have more than 5 years work experience then would recommend you to try for Executive MBA. One option is to get into training and Development in HR department (if you are interested in teaching).

Ans: Since you already have a 5 years work ex, why not try for MBA instead of MiM. Try for both - admission to college and a job. Wherever you get a better option take it up. If you get a good job then you can work for a couple of years and then do an MBA from some top college in Europe.