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Ramalingam

Ramalingam Kalirajan  |4803 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 11, 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 07, 2024Hindi
Money

I am a married woman with one baby of 3 months. We are a joint family. My mother-in-law, brother-in-law, my husband, me and the child. My BIL, my husband and me are working in IT. Both me and my husband each earn equally 75k per month. My BIL earns 20k per month. We do not have any asset. Now my MIL has chosen to buy a house worth 67L + 10L worth of interior work. We have around 10L at hand. So now we are planning to take a loan of 60L with an EMI as 46K per month. I am not sure if this is the right time to buy an house. But I am told if not now the prices of house will raise very high in the future.

Ans: Evaluating the Decision to Buy a House
Understanding Your Current Situation
You are part of a joint family with your mother-in-law (MIL), brother-in-law (BIL), husband, yourself, and a three-month-old baby. Both you and your husband work in IT, each earning Rs 75,000 per month. Your BIL earns Rs 20,000 per month. Your household's combined income is Rs 1,70,000 per month. You have no current assets, and your MIL has decided to buy a house worth Rs 67 lakhs, with an additional Rs 10 lakhs for interior work. You have Rs 10 lakhs at hand and plan to take a loan of Rs 60 lakhs, resulting in an EMI of Rs 46,000 per month.

Analyzing the Financial Commitment
Monthly Income and Expenses
Your combined monthly income is Rs 1,70,000. An EMI of Rs 46,000 will take up a significant portion of your income. It's essential to ensure that your monthly expenses, including the EMI, don't exceed 50% of your combined income.

Monthly Income:

Your income: Rs 75,000
Husband's income: Rs 75,000
BIL's income: Rs 20,000
Total income: Rs 1,70,000
Monthly EMI: Rs 46,000

Other Monthly Expenses (estimated):

Household expenses: Rs 50,000
Utilities and bills: Rs 10,000
Childcare and education savings: Rs 10,000
Insurance premiums: Rs 5,000
Savings and investments: Rs 20,000
Miscellaneous: Rs 10,000
Total expenses: Rs 1,11,000
After deducting the EMI and other expenses from your income, you would be left with approximately Rs 13,000. This calculation shows that you can afford the EMI, but it leaves a tight margin for unexpected expenses and future savings.

Future Financial Security
Building an Emergency Fund
An emergency fund is crucial. It should cover at least six months of living expenses. For your family, this would be around Rs 6,00,000. Since you already have Rs 10,00,000 at hand, consider keeping a portion of this amount as an emergency fund.

Child's Education and Future
Your child is only three months old, but it's never too early to start planning for their education. With rising education costs, starting an education fund now can make a significant difference in the future.

Potential Risks and Challenges
Housing Market Volatility
While it is true that property prices may rise, the real estate market is subject to fluctuations. Investing a large portion of your income in a house can be risky if the market experiences a downturn.

Interest Rate Fluctuations
Home loan interest rates can vary. An increase in rates would mean higher EMIs, which could strain your finances. Consider opting for a fixed interest rate if possible to mitigate this risk.

Job Security
In the IT sector, job security can sometimes be uncertain. Any loss of income would make it difficult to manage the EMI and other expenses. Ensure you have sufficient savings to cover such scenarios.

Alternative Investment Options
Benefits of Long-Term Mutual Fund Investments
Instead of putting all your savings into buying a house, consider investing in mutual funds. Mutual funds offer professional management and diversification, reducing risks compared to trading. They provide the potential for higher returns over the long term. Actively managed funds, in particular, aim to outperform the market through skilled management.

Disadvantages of Direct and Index Funds
Direct funds require significant knowledge and time to manage effectively. They are not suitable for everyone, especially if you are busy with work and family. Index funds, while lower cost, simply replicate market performance and lack the potential for higher returns offered by actively managed funds.

Creating a Balanced Financial Plan
Short-Term vs Long-Term Goals
Balance your short-term goals, like buying a house, with long-term goals, such as retirement and your child's education. Diversify your investments to include a mix of real estate, mutual funds, and other assets to spread risk and optimize returns.

Systematic Investment Plans (SIPs)
Consider starting SIPs in mutual funds. SIPs allow you to invest a fixed amount regularly, reducing the impact of market volatility and instilling disciplined investing habits.

Assessing the Right Time to Buy a House
Market Conditions
Research the current real estate market thoroughly. Consider whether property prices are expected to rise significantly or if they might stabilize or even fall. Market timing can influence the success of your investment.

Personal Financial Readiness
Ensure you are financially ready to take on the responsibility of a home loan. Consider your current savings, job stability, and future financial needs. If the purchase stretches your finances too thin, it may be prudent to wait.

Benefits of Waiting to Buy
Increase Savings: Waiting allows you to save more, reducing the loan amount needed and lowering EMIs.
Market Stability: Gives you time to assess market conditions better and buy at an opportune moment.
Investment Growth: Investing your current savings can grow your wealth, giving you a larger down payment later.
Professional Guidance
Consider consulting a Certified Financial Planner (CFP) to create a comprehensive financial plan tailored to your goals. A CFP can provide personalized advice, helping you balance homeownership with other financial priorities.

Exploring Housing Loan Options
Fixed vs. Floating Interest Rates
Understand the difference between fixed and floating interest rates. Fixed rates provide stability, while floating rates can fluctuate with market conditions. Choose the option that best suits your risk tolerance and financial situation.

Loan Tenure and EMI
Select a loan tenure that offers manageable EMIs without compromising your lifestyle. A longer tenure reduces EMIs but increases total interest paid. Evaluate the trade-offs carefully.

Insurance for Financial Security
Ensure you have adequate life and health insurance coverage. This protects your family financially in case of unforeseen events. Term insurance is cost-effective, providing high coverage at a low premium.

Tax Benefits on Home Loans
Home loans offer tax benefits under Sections 80C and 24 of the Income Tax Act. Interest payments and principal repayments are eligible for deductions, reducing your tax liability. Understand these benefits to optimize your tax planning.

Managing Household Finances
Joint Family Contributions
In a joint family, financial contributions should be discussed openly. Ensure that everyone contributes fairly to household expenses, reducing the financial burden on any one member.

Budgeting for the Future
Create a detailed household budget. Track expenses and identify areas for cost-cutting. This ensures you can manage the EMI and other financial commitments comfortably.

Planning for Retirement
Start planning for retirement early. Allocate a portion of your savings to retirement-specific accounts and mutual funds. The power of compounding works best over long periods, helping you build a substantial retirement corpus.

Child’s Future Planning
Invest in plans dedicated to your child's education and future needs. Starting early ensures you accumulate a significant amount by the time your child is ready for higher education.

Final Insights
Buying a house is a significant financial commitment. Ensure you have considered all aspects before making a decision. Evaluate your current financial situation, future goals, and potential risks. Diversify your investments, balance short-term and long-term goals, and seek professional advice if needed. With careful planning, you can achieve financial stability and make informed decisions for your family's future.

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

Ramalingam Kalirajan  |4803 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 14, 2024

Asked by Anonymous - May 01, 2024Hindi
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Money
Hi, I'm a 27 year old, starting this month my in hand salary is going to cross 2 lakh pm, so far I am investing in step up SIPs mainly small and midcap, around 22k pm, and I have a trading capital of 3 lakhs, I have an emergency fund of around 1.5 lakh in my savings account, apart from this I don't have any savings except my pf, currently I have an active car loan EMI of 15k pm and education loan EMI of 15k pm and I also support my family, my family or I don't own any house, and we live in different cities on rent, so the total expenses sums up to around 90-95k pm and my family is constantly asking me to buy a house on loan, but I don't even have corpus for paying the down payment yet, and also I have not seriously thought about buying my own house in my 20s, what would you suggest, also if I had to, how should I save up for the down payment
Ans: Congratulations on your increased salary! That's a great achievement. Let's discuss your situation and how to navigate between your financial goals:

1. Financial Snapshot:

Strong Start! Investing Rs. 22,000 per month in SIPs and having an emergency fund shows financial responsibility.

Balancing Responsibilities: Supporting your family while managing EMIs and rent is commendable.

2. Homeownership vs. Other Goals:

Family Pressure: It's understandable that your family wants you to buy a house. However, prioritize your financial goals first.

Owning vs. Renting: Homeownership comes with responsibilities and hidden costs. Renting allows for flexibility in your current situation.

3. Prioritizing Your Goals:

Debt Management: Focus on paying off your car and education loans early. This frees up cash flow for other goals.

Emergency Fund: Consider increasing your emergency fund to 3-6 months of your living expenses for unexpected situations.

Investing for Growth: Your SIPs in Small and Mid Cap funds are good for long-term wealth creation. Actively managed funds like these have fund managers who try to outperform the market by picking stocks they believe will grow.

4. Saving for a Down Payment (if needed):

Increase Savings: Once your EMIs are paid off, consider increasing your SIP amount or starting a dedicated SIP for a down payment.

Review and Rebalance: A Certified Financial Planner (CFP) can review your investments and suggest adjustments to potentially reach your down payment goal faster.

Remember, financial planning is a journey, not a destination. Consulting a CFP can help you create a roadmap that balances your financial obligations, long-term goals, and your family's needs.

Here's the key takeaway: You're making smart financial decisions! Focus on debt repayment, emergency savings, and long-term investing. Owning a house is a great goal, but prioritize according to your current situation. A CFP can help you create a personalized plan.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |4803 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - May 02, 2024Hindi
Listen
Money
Hi Sir, I am 36, in hand salary is 2.4 lakhs per month(including rental) I have 2 properties 1st current market value 2.2cr outstanding loan 40 lakhs 2nd. 60 lakh outstanding loan of 28 lakhs(taking tax benefit on this). Apart from this I personally have 0 savings in cash. My wife is housewife. At current market value we will have roughly 60 lakhs of gold. Recently bought a car on loan with emi of 35k. My monthly emi outflow is 1.1 lakh with roughly 1 lakh as additional monthly expense. Whatever I am able to save currently I am using it to pay of my Housing loan no.1. Need your suggestion on financial planning & decision that I should take in future
Ans: Given your financial situation, it's important to prioritize debt management, savings, and investment planning to achieve your long-term financial goals. Here are some tailored suggestions:

Debt Management:
Continue prioritizing the repayment of your housing loans. Focus on clearing high-interest debt first, such as the outstanding loan on Property 1.
Explore options to accelerate debt repayment, such as allocating any surplus income towards loan prepayments.
Review the terms of your car loan and consider refinancing if possible to reduce the monthly EMI burden.

Emergency Fund:
Establish an emergency fund equivalent to at least 6-12 months of your household expenses. This fund will provide a financial buffer in case of unexpected events like job loss or medical emergencies.
Set aside a portion of your monthly income towards building this fund gradually, even while repaying loans.

Savings and Investments:
Once you have built an emergency fund, allocate a portion of your income towards systematic savings and investments.
Consider investing in tax-efficient instruments like Equity Linked Savings Schemes (ELSS) to optimize tax benefits while generating potential long-term returns.

Diversify your investment portfolio across asset classes such as equity, debt, and gold to mitigate risk and enhance overall returns.

Insurance Coverage:
Review your existing insurance coverage, including life, health, and property insurance, to ensure adequate protection for your family and assets.
Consider purchasing term insurance policies to provide financial security to your dependents in the event of any unforeseen circumstances.

Financial Planning:
Engage the services of a Certified Financial Planner (CFP) to develop a comprehensive financial plan tailored to your specific goals, risk tolerance, and time horizon.
Work with your financial planner to set clear objectives, such as retirement planning, children's education, and wealth accumulation, and devise a strategy to achieve them systematically.

Budgeting and Expense Management:
Track your monthly expenses diligently to identify areas where you can optimize spending and redirect savings towards debt repayment and investments.
Create a realistic budget that accounts for all essential expenses, loan repayments, savings, and discretionary spending.

Future Financial Goals:
Define your long-term financial goals, such as retirement planning, children's education, and wealth creation, and allocate resources accordingly.
Regularly review your financial plan with your spouse and adjust strategies as needed based on changing circumstances and priorities.

By adopting a disciplined approach to debt management, savings, and investment planning, you can gradually improve your financial health and work towards achieving your long-term financial objectives. Consulting with a qualified financial advisor or planner can provide valuable guidance and support in navigating complex financial decisions and optimizing your overall financial well-being.

..Read more

Ramalingam

Ramalingam Kalirajan  |4803 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 13, 2024

Asked by Anonymous - Jun 12, 2024Hindi
Money
Hi Sir, I'm a 32 y/o married male. Our combined income per month is 2.2 lacs (in-hand). We have savings in equity and mf of 24 Lacs, and are currently considering purchasing a house. With the current property rates in and around Mumbai, the apartments we have seen cost around 1.3 to 1.5 cr. With annual fixed expenses (insurance, and toher obligations) of around 2.5 Lacs, and living expenses of 45-50 thousand per month, is buying a house right now the correct decision? If yes, please help with a few pointers on how we need to effectively manage the obligations it will bring on us.
Ans: Congratulations on your steady combined income and substantial savings in equity and mutual funds. Considering a home purchase is a significant decision, especially in a high-value market like Mumbai. This guide will help you evaluate the decision and manage the associated financial obligations effectively.

Understanding Your Financial Position

Your monthly combined income of Rs 2.2 lakhs is commendable. You have annual fixed expenses of Rs 2.5 lakhs and monthly living expenses of Rs 45-50 thousand. Your current savings in equity and mutual funds amount to Rs 24 lakhs. These factors provide a strong foundation for assessing your ability to buy a house.

Evaluating the Home Purchase Decision

Buying a house is both an emotional and financial decision. Given the property rates in Mumbai, you are looking at homes costing between Rs 1.3 to 1.5 crores. This is a substantial investment that will impact your financial situation for years. Let's break down the key considerations.

Down Payment and Loan Amount

Typically, you will need to make a down payment of at least 20% of the property value. For a house costing Rs 1.3 to 1.5 crores, this amounts to Rs 26 to 30 lakhs. Your current savings can comfortably cover this down payment, but it will significantly reduce your liquid assets. The remaining amount, Rs 1.04 to 1.2 crores, will need to be financed through a home loan.

Home Loan Considerations

Home loans come with long-term financial commitments. With interest rates and the loan tenure (usually 20-25 years), the EMI (Equated Monthly Installment) can be a significant portion of your monthly income. It is crucial to ensure that your EMI does not exceed 40% of your monthly income to maintain financial stability.

Impact on Monthly Budget

Assuming an EMI of around Rs 80,000 to Rs 1 lakh, you will need to adjust your monthly budget. With your living expenses of Rs 45-50 thousand and fixed annual expenses, managing the EMI within your current income level will require careful planning.

Emergency Fund and Savings

Maintaining an emergency fund is essential, especially after committing to a significant financial obligation like a home loan. Ensure you have at least six months' worth of expenses in an easily accessible savings account or liquid fund. Additionally, continue to save and invest in mutual funds to ensure long-term financial growth and security.

Tax Benefits of Home Loans

Home loans come with tax benefits under sections 80C and 24(b) of the Income Tax Act. The principal repayment qualifies for deduction up to Rs 1.5 lakhs, while the interest payment is eligible for deduction up to Rs 2 lakhs annually. These benefits can provide some relief in managing the overall financial burden.

Managing the Obligations

Budgeting and Expense Management: Create a detailed budget that includes your EMI, living expenses, fixed obligations, and emergency fund contributions. Track your expenses regularly to ensure you stay within your budget.

Prioritizing Investments: While focusing on the home loan, continue to invest in mutual funds for long-term growth. Diversify your portfolio across different types of funds to optimize returns and manage risk.

Professional Guidance: Consult with a Certified Financial Planner (CFP) to ensure your financial plan aligns with your long-term goals. A CFP can provide personalized advice on managing your investments, loan repayment, and overall financial health.

Insurance Cover: Ensure you have adequate life and health insurance coverage. This protects your family and financial interests in case of unforeseen events. Consider term insurance for life cover and a comprehensive health insurance policy.

Emergency Fund: Maintain an emergency fund equivalent to at least six months' expenses. This provides a financial cushion in case of job loss, medical emergencies, or other unexpected events.

Regular Reviews: Periodically review your financial plan and make adjustments as needed. Regular reviews with your CFP can help you stay on track with your goals and adapt to any changes in your financial situation.

Long-Term Financial Planning

Retirement Planning: Continue to contribute towards your retirement corpus through systematic investment plans (SIPs) in mutual funds. A well-planned retirement strategy ensures financial independence in your later years.

Children’s Education: If you have or plan to have children, start investing early for their education. Consider dedicated education funds or SIPs in diversified equity mutual funds for long-term growth.

Estate Planning: Ensure you have a clear estate plan in place. Create a will to specify how your assets should be distributed, and consider setting up trusts if necessary. Proper estate planning can prevent legal disputes and ensure a smooth transfer of assets to your heirs.

Disadvantages of Direct Funds

While direct funds have lower expense ratios, they lack the professional guidance provided by regular funds. Investing through a Mutual Fund Distributor (MFD) with CFP credentials ensures you receive expert advice. This professional support can help you make informed decisions, align your investments with your financial goals, and navigate market complexities.

Disadvantages of Index Funds

Index funds passively track market indices, offering average market returns. They don't capitalize on market inefficiencies or opportunities that actively managed funds can exploit. For someone aiming for higher returns, especially with long-term goals, actively managed funds can provide better growth potential.

Benefits of Regular Funds

Regular funds, accessed through an MFD with CFP credentials, provide the advantage of expert guidance. These professionals can help you navigate complex investment decisions, rebalance your portfolio, and adapt your strategy as your financial situation evolves. The value of personalized advice often outweighs the marginally higher expense ratios.

Balancing Short-Term and Long-Term Goals

While purchasing a house is a significant short-term goal, it’s essential to balance it with your long-term financial goals. Continue to invest for your future, ensuring that your retirement, children’s education, and other long-term objectives remain on track.

Emotional and Practical Considerations

Buying a house is not just a financial decision but an emotional one too. Consider your long-term plans, job stability, and lifestyle preferences. Owning a home provides stability and a sense of ownership but comes with maintenance responsibilities and financial obligations.

Final Insights

Buying a house in Mumbai is a major financial commitment that requires careful planning and disciplined execution. Assess your financial readiness, consider the impact on your monthly budget, and ensure you have a robust emergency fund. Leverage the expertise of a Certified Financial Planner to create a comprehensive financial plan that balances your short-term and long-term goals. By making informed decisions and managing your finances prudently, you can achieve your dream of homeownership while maintaining financial stability.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |4803 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 10, 2024

Listen
Money
Good Day Sir, I am 33 now and both husband and wife earning around 1.6 lakhs per annum. We are renting a home of 18000 PM. Total expenses are 1.3 lakhs per month(Including Insurance, basic expenses, term, mutual fund). Investing 21000 PM in mutual fund, want to take a home in city like Noida of around 65 Lakhs. Loan would be around 50 lakhs for 20 yrs of time frame. Current savings is around 20 Lakhs. Can I take a home on loan now or should I wait?
Ans: Assessing Your Current Financial Situation
Income and Expenses
You and your spouse earn around Rs 1.6 lakhs per month.

Your total expenses are Rs 1.3 lakhs per month.

This includes rent, insurance, basic expenses, and mutual fund investments.

Savings and Investments
You are investing Rs 21,000 per month in mutual funds.

Your current savings stand at Rs 20 lakhs.

Home Purchase Consideration
You want to buy a home in Noida worth Rs 65 lakhs.

You plan to take a home loan of Rs 50 lakhs for 20 years.

Financial Stability and Decision-Making
It's crucial to understand the impact of this decision on your financial stability.

Buying a home is a significant financial commitment.

Evaluating the Home Loan Option
Loan Details
A home loan of Rs 50 lakhs for 20 years.

Monthly EMI will depend on the interest rate.

EMI Impact on Monthly Budget
Calculate the EMI to understand its impact on your monthly budget.

Ensure the EMI fits within your budget without straining finances.

Comparing Renting vs. Buying
Currently, you pay Rs 18,000 per month in rent.

Compare this with the expected EMI.

Buying a home may offer long-term benefits.

Pros and Cons of Buying a Home Now
Advantages of Buying Now
Fixed Asset
Owning a home provides a sense of security.

It's a long-term investment for your family.

Appreciation Potential
Property values in Noida may appreciate over time.

This can be beneficial for your investment.

Personalization
You can customize your own home to your liking.

This adds to your comfort and satisfaction.

Disadvantages of Buying Now
Financial Strain
A large EMI could strain your monthly budget.

Ensure you can manage all expenses comfortably.

Opportunity Cost
Using savings for a down payment may reduce your liquidity.

Consider the impact on your emergency fund.

Interest Burden
Home loans come with interest payments.

This adds to the total cost of the property.

Alternative Investment Options
Increasing Mutual Fund Investments
Consider increasing your mutual fund investments.

This can help build a larger corpus over time.

Power of Compounding
Mutual funds benefit from compounding returns.

The longer you invest, the more your money grows.

Risk Diversification
Diversify your investments across different mutual fund categories.

This reduces risk and enhances returns.

Regular Funds vs. Direct Funds
Benefits of Regular Funds
Investing through an MFD with CFP credentials provides professional guidance.

Regular funds offer advisory support.

Drawbacks of Direct Funds
Direct funds require more active management.

You may miss out on expert advice and insights.

Assessing the Timing
Market Conditions
Consider the current real estate market conditions in Noida.

Buying during a favorable market can be advantageous.

Personal Financial Goals
Align your home purchase with your long-term financial goals.

Ensure it doesn't compromise other important financial objectives.

Future Income Prospects
Evaluate your future income prospects.

A stable or increasing income can support your loan repayment.

Final Insights
Comprehensive Financial Plan
Create a comprehensive financial plan.

Include your home purchase, investments, and savings goals.

Emergency Fund
Maintain a robust emergency fund.

Ensure you have 6-12 months of expenses saved.

Professional Guidance
Consult a Certified Financial Planner (CFP).

Get personalized advice tailored to your financial situation.

Balanced Approach
Balance your home loan with other financial commitments.

Ensure a comfortable lifestyle without financial stress.

Regular Review
Regularly review your financial plan.

Adjust it based on changes in income, expenses, and goals.

Long-Term Perspective
Keep a long-term perspective.

Consider the overall impact of your financial decisions on your future.

Conclusion
Buying a home is a significant decision.

Assess all factors carefully.

Ensure it aligns with your financial goals and stability.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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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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