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Single Mom with 70k Monthly Income Seeks Investment Advice: FD or Mutual Funds?

Ramalingam

Ramalingam Kalirajan  |6991 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 27, 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
Jyotsna Question by Jyotsna on Jun 18, 2024Hindi
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My monthly income is around 70k no debts yet.. Invested around 4.5 Lakh in mutual funds I am a single mother with age 35 years i have a 6 year old son. Want to invest more in mutual funds. Have around 8 lakh as liquid cash in savings account.. should I make FD or invest in mutual funds and what will be the risk. And can I have a fund where I can invest for 6 to 7 month and appreciation my fund

Ans: Given your current situation, it’s great to see you are already investing in mutual funds and looking to make your money work harder for you. Let’s explore your options for both short-term and long-term investments.

Current Financial Position
Monthly Income: Rs. 70,000

No Debts: A positive factor that gives you financial flexibility.

Mutual Fund Investments: Rs. 4.5 lakhs

Savings: Rs. 8 lakhs in a savings account

Investment Goals and Risk Tolerance
You have a stable income and no debts, which is a strong foundation. As a single mother with a young son, it’s important to balance risk and security in your investments.

Short-Term Investment Options
For short-term investments (6-7 months), you should focus on preserving capital while seeking some appreciation. Here are some suitable options:

Liquid Funds: These are mutual funds that invest in short-term debt instruments. They offer better returns than savings accounts and are low-risk.

Ultra Short-Term Debt Funds: These funds invest in debt securities with short maturity periods. They offer higher returns than liquid funds but come with slightly higher risk.

Long-Term Investment Options
For your long-term investments, especially given your willingness to take risks, consider the following:

Equity Mutual Funds: These funds invest in stocks and have high growth potential over the long term. They are suitable if you are comfortable with market volatility.

Balanced or Hybrid Funds: These funds invest in both equity and debt. They offer a balanced approach with moderate risk and reasonable returns.

Thematic and Sectoral Funds: If you want to explore specific sectors like technology or healthcare, these funds can offer high returns but come with higher risk due to their concentrated investments.

Benefits of Mutual Fund Investments
Diversification: Mutual funds spread your investment across various securities, reducing risk.

Professional Management: Fund managers use their expertise to make investment decisions.

Liquidity: You can redeem your investment whenever needed.

Avoid Fixed Deposits for Long-Term Growth
Fixed deposits (FDs) offer safety but low returns compared to mutual funds. Given your financial goals and willingness to take risks, investing in mutual funds is a better option for long-term growth.

Disadvantages of Index Funds and Direct Funds
Index Funds: These funds replicate a market index. They lack flexibility and cannot outperform the market. Actively managed funds offer better potential for high returns.

Direct Funds: While they have lower fees, they lack the professional guidance you get when investing through a Certified Financial Planner (CFP). Regular funds through a CFP can help you make better-informed decisions.

Risk Management
Diversify Your Investments: Spread your money across different types of funds to balance risk and reward.

Emergency Fund: Keep a portion of your savings (about 3-6 months of expenses) in a liquid fund for emergencies.

Regular Monitoring: Review your investments periodically to ensure they align with your financial goals.

Final Insights
Investing your Rs. 8 lakhs in a mix of liquid funds for short-term needs and equity or balanced funds for long-term growth is a sound strategy. Avoid FDs for long-term investments due to their lower returns. Consult a Certified Financial Planner to tailor your investment strategy to your specific goals and risk tolerance.

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 Kalirajan  |6991 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 22, 2024

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Hello sir I am 36 year old I am dependent only my job I am getting monthly 53k I don't have any EMI and I don't have own house I am paying rent 6000 and my daughter school fees annual 50k sir I am planning to put a mutual fund of money which is better for me please guide me
Ans: You are 36 years old. Your monthly income is Rs 53,000. You have no EMIs and no own house. Your rent is Rs 6,000. Your daughter’s school fees are Rs 50,000 annually.

Importance of Investing in Mutual Funds
Mutual funds can help grow your wealth. They offer professional management and diversification. These features can lead to better returns over time.

Benefits of Actively Managed Funds
Actively managed funds are preferred over index funds. Index funds simply follow the market. This means limited returns.

Disadvantages of Index Funds:

Limited Flexibility: They only follow the index.
No Active Management: No adjustments based on market conditions.
Average Returns: Generally, just follow the market trend.
Advantages of Actively Managed Funds:

Higher Return Potential: Fund managers aim to outperform the market.
Active Adjustments: Portfolio changes based on market trends.
Professional Expertise: Managed by experienced professionals.
Regular Funds vs Direct Funds
Investing through a Certified Financial Planner (CFP) offers many advantages over direct funds.

Disadvantages of Direct Funds:

Lack of Expert Guidance: No professional advice.
Time-Consuming: Requires constant monitoring.
Higher Risk: Without professional insights, risk increases.
Benefits of Regular Funds with CFP:

Professional Advice: Access to expert insights.
Better Decision Making: Informed investment choices.
Regular Monitoring: Constant portfolio reviews and adjustments.
Risk Management: Strategies to mitigate potential risks.
Recommended Investment Strategy
Start with a SIP: Invest a fixed amount monthly.
Diversify: Invest in a mix of large-cap, mid-cap, and small-cap funds.
Long-Term Focus: Aim to invest for at least 10-15 years.
Review Regularly: Monitor performance and adjust as needed.
Steps to Begin
Consult a Certified Financial Planner: Get personalized advice.

Choose Reliable Fund Houses: Ensure they have a good track record.

Start SIP: Automate your monthly investments.

Monitor and Review: Check performance regularly and adjust if necessary.

Financial Planning Tips
Emergency Fund: Keep at least 6 months of expenses as an emergency fund.
Insurance: Ensure you have adequate life and health insurance.
Education Fund: Plan for your daughter’s higher education expenses.
Retirement Planning: Start planning for retirement early.
Final Insights
Investing in mutual funds is a wise decision. Actively managed funds offer better returns than index funds. By investing through a Certified Financial Planner, you get professional advice and regular monitoring. Start with a SIP, diversify your investments, and stay focused on long-term goals. Monitor your investments and adjust as needed for the best results.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6991 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 12, 2024

Asked by Anonymous - Jun 26, 2024Hindi
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Money
My monthly income is around 70k no debts yet.. Invested around 4.5 Lakh in mutual funds I am a single mother with age 35 years i have a 6 year old son. Want to invest more in mutual funds. Have around 8 lakh as liquid cash in savings account.. should I make FD or invest in mutual funds and what will be the risk. And can I have a fund where I can invest for 6 to 7 month and appreciation my fund
Ans: You have done well in building a foundation with Rs. 4.5 lakh in mutual funds and Rs. 8 lakh in liquid cash. Your financial stability is crucial, especially as a single mother. The key now is to strategically grow your wealth while balancing risk and liquidity.

Mutual Fund Investments
Investing for the Long-Term

You should continue investing in mutual funds for long-term growth. This will help you build wealth steadily over time.

Given your age and financial responsibilities, a mix of equity and hybrid funds can be beneficial. Equity funds offer high returns over time, while hybrid funds balance risk and return.

Diversification

Diversify across large-cap, mid-cap, and multi-cap funds. This spread reduces risk and captures growth from various market segments.

Avoid sector-specific funds unless you have a deep understanding of the sector. They carry higher risk.

Liquid Cash Allocation
Fixed Deposits (FDs)

FDs offer guaranteed returns with low risk. This is ideal if you prioritize safety over high returns.

However, the returns from FDs may not beat inflation. This is a limitation to consider.

Mutual Funds vs. FDs

Mutual funds, especially debt funds, can offer better returns than FDs while maintaining liquidity.

Debt funds are less volatile than equity funds and provide stable returns. They are suitable for conservative investors.

If you are comfortable with some risk, parking your liquid cash in short-term debt funds can be more rewarding than FDs.

Emergency Fund

Keep at least six months of expenses in a savings account or liquid fund. This ensures immediate access to funds during emergencies.
Short-Term Investment (6-7 Months)
Short-Term Debt Funds

For a 6-7 month period, short-term debt funds are a good option. They provide moderate returns with low volatility.

These funds invest in short-duration securities, making them less sensitive to interest rate changes.

Arbitrage Funds

Another option is arbitrage funds. These funds exploit the price difference between cash and futures markets. They offer returns slightly better than FDs with low risk.
Risk Assessment
Equity Mutual Funds

Equity funds carry market risk. Their returns fluctuate based on market performance.

Over the long term, equity funds can offer high returns, but they can be volatile in the short term.

Debt Mutual Funds

Debt funds are less risky compared to equity funds. They are suitable for conservative investors.

Interest rate movements affect debt fund returns. However, this risk is lower than equity market risk.

Fixed Deposits

FDs have minimal risk. The main risk is reinvestment risk, where future FD rates may be lower than current rates.

Inflation risk is another concern, as FD returns may not keep pace with rising prices.

Investment Strategy
Balance Risk and Return

Your investment strategy should balance risk and return. Given your responsibilities, a mix of equity, hybrid, and debt funds is advisable.

For higher returns, allocate a portion of your funds to equity mutual funds. For stability, keep some funds in debt mutual funds or FDs.

Review and Rebalance

Regularly review your portfolio to ensure it aligns with your financial goals.

Rebalance your portfolio if needed, shifting investments based on changing market conditions or life events.

Financial Planning for the Future
Education Fund

Start building a fund for your child’s education. Equity mutual funds are ideal for this long-term goal.

Systematic Investment Plans (SIPs) in diversified equity funds can help you accumulate a substantial corpus over time.

Retirement Planning

Begin setting aside funds for retirement. Hybrid mutual funds or equity-oriented balanced funds can offer growth with moderate risk.

The earlier you start, the more you benefit from compounding.

Final Insights
Investing in mutual funds can offer better returns than traditional fixed deposits, but they come with varying degrees of risk. Diversification across asset classes and fund types can help manage this risk while aiming for growth. Your liquid cash can be partly invested in short-term debt funds for better returns while keeping a portion in FDs or savings for emergencies. Regularly reviewing your investments and adjusting based on your financial goals will ensure that you stay on track.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

..Read more

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Asked by Anonymous - Nov 06, 2024
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Hi Anu, i am 34 year old woman married to a 41 year old man. We are married for past 10 years. We had no sexual relationship for first 5 years, after lot of pestering and fights and realisation that there must a physical problem at my husband’s end i convinced him to visit an expert in this domain. Turns out he had low testosterone level. He took the necessary medication and i really tried for 1 year to make it work. It worked to a certain extent but it was more like a chore than something we really want to do. Then we decided that we should go for a baby as well while we are at it. Now my daughter is 2.5. Things never got better. We don’t talk about our lack of any intimacy physical or mental. We are living like roommates. He is the best husband a person can ask for on paper. My parents love him. He is the nicest guy. But in reality we never had any connection and no comparability. And whatever attraction and love i had for him in the beginning is lost completely. I have no idea what goes on his mind. He is a closed book i could never open. He accepts the problem but blames me too if i force him to open up. I am in such a bad place mentally. I keep thinking about the one life i got, i wasted it. Why did i get married so soon? I like someone in office who i have no future with because he is in some other country. I do not know what to do and how to live my life. I get thoughts that life should not be so long.
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Mam i love a boy.. Who is 2 yr younger then me and... Now he is preparing for jE.. Post and... My parents worry about my marriage... I told him about this.... He is craying... So much... He love s me very much.... He don't tell about this relationship.....to his parents.. Because he dont have any.... Job..... What should i do mam.... Plz.... Tell me... Mamm plzzz
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Relationships Expert, Mind Coach - Answered on Nov 08, 2024

Asked by Anonymous - Jul 22, 2024Hindi
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Hello, There is a woman in my office working in my department. She is my friend's wife and was referred by me for this job. We get to work closely often, but we both make opportunities to get to work together. Most of our time spent is on work related items, with few minutes of casual chats, and we both have spent a lot of time alone in office, working extra hours and all. I have a feeling that I am starting to yearn to spend time with her on work and she also tries to be around me. We both text outside of office hours, share a lot of "inside" jokes and we both look to be enjoying the time together. I am in a confused state because it looks like she is giving me a lot of signs to move forward to next levels, but I am pulling back and not advancing. We both are married and have families. Any advice?
Ans: To manage this, start by gently reinforcing professional boundaries. While it may feel awkward initially, limiting the personal, non-work-related conversations and texts can create some emotional distance. This will not only help reduce feelings of attachment but also prevent misunderstandings or assumptions from developing on either side. At the same time, it may be beneficial to reflect on your own life and current relationships. Often, feelings that arise outside our primary relationship can signal needs or emotions that might require attention within our existing commitments.

Redirecting your focus back to your own relationship with your spouse and engaging in activities that strengthen that bond can bring a renewed appreciation for the life you have built. Rekindling affection, open communication, and connection with your spouse could help provide a sense of fulfillment that might reduce the attraction you’re feeling toward your colleague.

It may also help to remind yourself of the potential risks involved, not only to your family life but also to your professional reputation and friendships. By focusing on maintaining a respectful, professional, and appropriate connection, you’re honoring both your commitments and protecting the integrity of all relationships involved. Choosing not to act on these feelings will ultimately support the stability of your personal life and career, allowing you to maintain a healthy and professional environment at work.

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Hi I brought up from a middle class family now I'm married and having 3 yrs kid, my younger brother recently got married! Ever since his marg there was a problem going on between my mom, brother and her wife , all the 3 of them bringing their problems to me and husband it creates a huge impact on my mental health due to their problems, if I try to resolve nobody is listening, I'm staying nearby my parents which is a big disadvantage, directly it's affecting me and my family? I don't know how to overcome from this type of issue
Ans: A compassionate but firm boundary can make a difference here. For instance, you could gently explain to your mother, brother, and his wife that while you understand and empathize with their challenges, you’re finding it difficult to handle all the tension that arises from these discussions. You might let them know that, for the sake of your own mental health and family well-being, you need to step back from being involved in any discussions about their conflicts.

If they do come to you with their concerns, try gently redirecting them, perhaps by suggesting that they talk directly to each other or even consider family counseling if they’re open to it. Remind them that only they can solve these issues by communicating directly, rather than relying on you as a mediator. Over time, they may begin to understand that their repeated involvement of you is not a productive solution.

Creating some physical and emotional space is key. If living nearby is heightening the tension, consider adjusting how often you interact in person. Focusing more on your own family’s peace, stability, and happiness will also help. It may feel challenging at first, but taking steps to protect your boundaries will benefit everyone, and gradually, they may even recognize the need to work out these issues themselves without depending on you.

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Hi ma’am, I am a 27 year old girl. My father is a very strict person. Since childhood I have tolerated many things like I was not allowed to make friends(not even girls, forgot about boys). When I was 12 years old I was told that I was not allowed to talk to boys, and if my father ever saw me doing so, he will kill me. So, I was not allowed to talk to any friend, forget about going out and other stuff. All I used to do is sit in my room and study,I was not allowed to go out to play, wasn’t allowed to watch tv, not even allowed to go and play with cousins. Even if there was a wedding in my family, i was not allowed to go out and enjoy. And this has continued till date. I am still not allowed to go out without my father’s permission. Although I live in Bengaluru and work in a big company with a high paying job. Even the salary I get is not mine. Because my father takes it from me and I can’t say no to him. I use to say to me that if I ever did anything which he thinks is wrong, he will kill me, or will not allow me to go to college and now he will not allow me to work. And now he want me to get married to someone of his choice because of caste system. But I have a boyfriend and I want to marry my him. But I can’t even tell this to my father, because once I tell him this, he will not allow me to leave the house ever again and he would get me married to next person he finds. I am very scared of him. I don’t want to get married to anyone but my boyfriend. What should I do? Should I run away and get married to my boyfriend. I don’t know what my father will do then. He is a very controlling person .
Ans: To start, consider small steps that allow you to establish a greater sense of independence. Setting aside a portion of your income in an account only you can access, even if done quietly, can help you prepare financially for the future you envision with your boyfriend. Gaining control over your finances can also give you a greater sense of autonomy, which is key for your emotional and practical well-being.

Considering your father’s intense reaction to any choices that don’t align with his, safety is a priority. Consulting with a therapist or a counselor could help you process the emotional impact of your experiences and, importantly, develop strategies for how to approach this situation. Speaking to a counselor may also help you find a safe way to discuss your relationship with your father and express your own wishes while understanding any resources that might be available to you if needed.

If, ultimately, you decide to move forward with your relationship and marriage independently of your father’s permission, preparing yourself for potential emotional fallout is essential. While it’s natural to hope for family acceptance, remember that creating your own happiness is equally important. Over time, if your father can see that you’re stable, happy, and independent, he may eventually respect your decision.

Taking steps toward your own life may feel overwhelming, but with support and gradual changes, you can find a path that balances your love for your family with your need for self-respect, autonomy, and a future that you choose.

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Kanchan Rai  |398 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 08, 2024

Asked by Anonymous - Nov 01, 2024Hindi
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Hi mam, I am in a 14 year old relationship with a man, the relationship is quite healthy until now, but our families are not accepting for marriage. Since his parents are divorced and her elder sister to. Everyone in my family is against this marriage and not one person is supporting it, but we truly love each other. Even the boy does, and he is doing everything he can for a mutual acceptance. There is no divorce history in my family till date. So sometimes, even I get sceptical about taking this relationship forward as I understand the seriousness of marriage, but I also understand that there is attachment, love, commitment, duration, everything involved in this 14 year old relationship which will make it very hard to accept someone else in place of him, so basically, I want to marry the guy, but not his family I know that’s not possible, but then what should I do? Should I just take the step forward with total faith in the man, or should I marry somewhere else where everything is great, only love will be unsure. The man has connections with both his parents and there is no custody involved. In this case. He is in a good relationship with both the parents, although he lives with his mother and sister.
Ans: Fourteen years is a profound commitment, and the fact that both of you have nurtured such a bond reflects a solid foundation that’s not easy to find or replicate. The conflict seems to lie mainly in your family’s fears and cultural values around marriage and their concern about potential patterns in relationships. This is an understandable reaction from them, given the uniqueness of his family background compared to what they’ve experienced.

It’s natural for you to feel torn, especially since you value your family’s approval and understand the complexities that can arise in marriage. While family acceptance can provide a comforting support system, there are instances when it doesn’t fully align with one’s own heart. Marrying him would mean choosing to rely primarily on each other, despite family reservations, which could require extra resilience and patience as you move forward together. Since he has strong relationships with both parents, it may be reassuring that he has a healthy view of family, despite their past. This could suggest that he has personal maturity and the ability to build a stable, loving relationship with you.

At the same time, your family’s perspective doesn’t necessarily mean there’s any curse or pattern that would carry over into your marriage. The key to deciding might be to look at the qualities he brings to the relationship, how both of you handle challenges, and whether he brings stability, honesty, and emotional support. The longevity and health of your relationship are positive indicators, and if both of you have open communication about potential concerns—like how family dynamics might play a role in the future—you’ll likely be prepared to face those hurdles together.

You’re faced with a decision that balances taking a leap of faith with the potential for some family disappointment. If he is the partner with whom you see a fulfilling life, the choice to marry might ultimately come down to what feels right to you, independent of family fears. Love, trust, and understanding—especially those that withstand the test of time—are incredibly powerful foundations. So, if you believe in the strength of your bond and feel you could weather any storm together, choosing him could be a step toward building the kind of family you truly want, even if it’s unconventional by your family’s standards.

But if you’re still unsure, taking time to express all these feelings to him, to explore your shared values and long-term goals, and to be absolutely sure of the life you want to build can help reinforce whichever path feels right for you.

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Kanchan

Kanchan Rai  |398 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 08, 2024

Asked by Anonymous - Nov 07, 2024
Relationship
Maam In last question of mine you told me that im taking meaning out of a friendly casual conversation. I may be doing so but I tried to ignore that guy but he is still staring at me and roaming around my house. What does that mean.???? Im not seeking attention from him. He himself is giving intense looks and appearing from no where. Our kids are in same school so I cant avoid seeing him. Its just not possible but i try not to give him.attention but he coming in front of me for no reason. Giving me suggestions about my child when I have not even asked him.anything.
Ans: One possibility here could be that he genuinely believes he’s being friendly and is unaware that his actions might be coming across as intrusive. Some people aren’t as skilled at reading subtle social cues or may interpret polite responses as openness to further interaction. Another scenario could be that he’s misinterpreting a simple acquaintanceship as an invitation for more personal connection, especially if he hasn’t recognized your signals for wanting distance.

It’s also possible, especially if he’s trying to advise you about your child, that he’s viewing himself as helpful or knowledgeable—again, likely without realizing he’s crossing a line. If he’s repeatedly making intense eye contact or appearing at odd times, it may also reflect a need for attention or connection on his part, even if it’s unintentional.

If this behavior continues and your efforts to distance yourself subtly aren’t working, it might be time to consider setting a gentle but clear boundary. This can be done with nonverbal cues, like quickly redirecting your gaze or finding reasons to leave a situation as soon as he tries to initiate a conversation. However, if his presence continues to bother you, there’s no harm in being more direct. A polite but firm approach, like thanking him for his advice and mentioning that you’d prefer to handle things yourself, can send a message that you’re not looking for further involvement.

Your well-being and comfort come first, and your instincts are valid. If his behavior is persistent and truly uncomfortable, it may be best to acknowledge it internally and remind yourself that you’re under no obligation to respond or interact beyond what feels right for you.

...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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