Sir, My monthly income is around 2,00,000 per month and monthly expenditure around 45000. I'm 45 and want to achieve retirement goal in 60. How much asset allocation do you think is right for medium risk to invest in equity, debt, SGB, reit and others etc. I am thinking of starting investing in a large cap index and a flexicap. For protection of volatility, and less risk I should invest in debt mutual funds or should go for nps? Pls suggest any other option you have.

Hi. I am currently 32 years old male working in a government sector. My take home salary is 1 lakh monthly and it will increase approx. 5% every year (basic 3%, da twice increase min. 4,4%). My NPS (employee and employer) deductions at present is around 25000 every month and will increase when basic increases every year (assuming basic increases by 3% pa without considering future promotions for now). Apart from this I am investing 10k every month in the mutual funds (small, mid and large cap), 5k every month in sukanya sammridhi yojana for my daughters educational needs. Parked 2 lakh in stock market and current value is 4 lakh, 6 lakh in PF (current value inc. interest earned so far), have LIC policy paying rs. 7300 quarterly, have term insurance (increasing sum assured, upto 1 CR for 15 years) and seperate health insurance to cover my family health expenses apart from govt. CGHS. I am repaying some loans (worth 20000 per month) took in the past and all loans will be cleared by 2030 December. Now I want to plan for my retirement (my current household expenses 40 to 45k per month=grocery, clothing, house rent, other misc. Needs), my child education (child current age is 2), her weeding expenses (consider marriage at 25 age), planning to have one more child in a year. I have privilege to join my kids in Kendriya Vidyalaya, so till 12th education expenses you can consider min. I also want to buy a home at the age between 50 to 55 near to Bangalore to old Mysore road (consider approx. Amount for 2 bhk apartment not in city little outskirts like kengeri or little farther). Now please suggest me. How to plan for my retirement, child marriage and education, construction of home