Wipro Bonus Shares: Should I Buy?

Ans: Filing an income tax return (ITR) is important. It helps you claim tax refunds and maintain financial records.

Your stipend is taxable if TDS is deducted. You should file an ITR to claim a refund if eligible.

Understanding Tax on Your Stipend
Your stipend is considered taxable income unless specifically exempted under law.

The hospital deducts TDS (Tax Deducted at Source) before paying you.

If your total annual income is below the basic exemption limit, you can claim a refund.

Steps to File Your ITR
1) Check Your Total Income
Your monthly stipend is Rs. 16,000.

Your annual stipend is Rs. 1,92,000 (Rs. 16,000 × 12).

The basic exemption limit is Rs. 2,50,000 for individuals below 60 years.

Since your total income is below this limit, you do not need to pay tax.

2) Collect Necessary Documents
Form 16 – If your hospital provided it, it will show TDS details.

Form 26AS – Download it from the income tax portal. It shows TDS deducted.

Bank Statements – These help verify stipend credits and other income sources.

3) File ITR Online
Visit the Income Tax e-filing portal (https://www.incometax.gov.in).

Choose ITR-1 (Sahaj) if your only income is stipend and bank interest.

Enter your income details from Form 16 and Form 26AS.

Claim a TDS refund if tax was deducted unnecessarily.

Verify the return using Aadhaar OTP or net banking.

Should You File an ITR?
You must file ITR if TDS is deducted and your income is below the taxable limit.

Filing ITR helps in getting a refund of excess tax deducted.

It also builds your financial history for future loans and credit approvals.

Final Insights
Your stipend is taxable unless exempted under law.

If TDS is deducted, file an ITR to claim a refund.

Keep financial records for future financial planning.

Regular tax filing helps in loan approvals, credit score, and investment planning.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ans: You have a stable income and a strong cash reserve. Your rental income covers your EMI. The decision to prepay or invest should consider interest rates, tax benefits, and long-term returns.

Understanding Your Financial Position
Home Loan Outstanding: Rs 40 lakh
EMI Amount: Rs 40,000 per month
Rental Income: Rs 40,000 per month
Salary: Rs 1.30 lakh per month
Cash in Hand: Rs 60 lakh
Your cash reserves are sufficient to clear the loan. However, the decision depends on opportunity cost.

When Should You Repay the Home Loan?
If the loan interest rate is high, repayment is beneficial.
If the loan tenure is long, early closure reduces interest outgo.
If you feel mentally stressed with debt, clearing it brings peace of mind.
Clearing the loan eliminates EMI obligations and improves cash flow.

When Should You Invest Instead?
If your home loan interest rate is low, investing can generate better returns.
Investing in high-growth options can create wealth over time.
PPF and NSC provide safe but low returns, while mutual funds offer long-term growth.
Keeping liquidity intact ensures flexibility in financial decisions.

Balanced Approach for Maximum Benefit
Partial Prepayment: Pay off a portion of the loan to reduce EMI burden.
Invest the Remaining: Allocate funds across debt and equity for steady returns.
Emergency Fund: Maintain a reserve for unexpected expenses.
A mix of repayment and investment ensures financial stability.

Final Insights
Clearing the home loan gives peace of mind, but investing can generate better returns. A balanced approach of part repayment and investment ensures financial growth. Choosing the right option depends on interest rates, risk appetite, and long-term goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ans: It is good that you are planning for retirement in advance. Your financial situation is strong. You have a good retirement corpus, stable investments, and a well-earning spouse. Proper planning will help you sustain your lifestyle, meet future responsibilities, and manage risks.

Let us assess your financial position and create a structured plan.

Current Financial Position
You will receive Rs. 3 crore from your company at retirement.
Your mutual fund investments are worth Rs. 2 crore.
You have Rs. 20 lakh in PPF.
Your wife earns Rs. 60,000 per month.
Your monthly expenses are Rs. 1.2 lakh.
You own a house, eliminating rental expenses.
You have Rs. 30 lakh mediclaim coverage.
Your future commitments include your daughter’s marriage and your son’s education.
A structured approach will help you meet all these needs efficiently.

Monthly Income Planning
Your monthly expenses are Rs. 1.2 lakh. Your wife’s salary covers Rs. 60,000. You need an additional Rs. 60,000 per month from investments.

You should not withdraw directly from mutual funds. Instead, create a withdrawal strategy.
A mix of fixed deposits, debt funds, and balanced hybrid funds can help generate stable returns.
Avoid keeping too much in savings accounts or low-return FDs.
Keep at least 12 months’ expenses in liquid form for emergencies.
You should create a mix of stable and growth-oriented investments for a long retirement.

Emergency Fund Management
An emergency fund ensures financial stability during unexpected situations.

Maintain at least Rs. 15-20 lakh as an emergency fund.
Keep a mix of liquid funds, sweep-in FDs, and cash in savings accounts.
This ensures quick access to funds in case of medical emergencies or unforeseen expenses.
Emergency planning is essential for financial security.

Investment Strategy for Retirement
Your investments should balance stability and growth.

Debt Allocation: Keep 40-50% of your corpus in safer instruments like debt funds, corporate bonds, and FDs. This provides stability and regular income.
Equity Allocation: Allocate 30-40% to equity mutual funds. This ensures long-term capital appreciation.
Hybrid Funds: Invest in balanced hybrid funds to manage risk and returns effectively.
Senior Citizen Schemes: Consider SCSS and RBI Floating Rate Bonds for fixed returns.
A well-balanced portfolio will ensure financial security and growth.

Managing Tax Liability
Tax planning is important to reduce tax burden.

Spread withdrawals over multiple financial years to avoid high tax brackets.
Use tax-efficient instruments like debt funds with indexation benefits.
Invest in senior citizen savings schemes that provide tax benefits.
Keep equity investments for long-term tax efficiency.
Proper tax planning will maximise your post-tax income.

Daughter’s Marriage Planning
Marriage expenses can be high. A focused investment approach will help.

Estimate an approximate cost and set aside funds accordingly.
Use a mix of debt and equity funds for growth and stability.
Invest in long-term debt funds for tax efficiency.
Avoid withdrawing from core retirement corpus.
Dedicated planning will ensure smooth execution of this goal.

Son’s Education Planning
Higher education costs are increasing. A structured investment strategy will help.

Determine the timeline and estimated cost.
Use a mix of education-focused mutual funds and debt instruments.
Consider systematic withdrawal plans for meeting expenses.
Ensure funds are readily available when required.
Proper planning will prevent financial strain in the future.

Healthcare and Insurance Planning
You have Rs. 30 lakh mediclaim, which is good. However, some additional steps are necessary.

Ensure that your policy covers major illnesses and hospitalisation expenses.
Consider top-up or super top-up plans for additional coverage.
Keep a separate health fund for non-insurance medical costs.
Update nominee details in all policies and investments.
Good health planning will safeguard your financial stability.

Estate and Succession Planning
Proper estate planning ensures smooth transfer of assets.

Draft a legally valid will to avoid future disputes.
Nominate beneficiaries in all investments, bank accounts, and insurance policies.
Consider setting up a trust if required for better asset management.
Discuss the succession plan with your family to avoid confusion later.
Systematic estate planning will provide peace of mind.

Investment Portfolio Simplification
Your mutual fund portfolio should be well-structured.

Avoid overlapping funds in the same category.
Retain a mix of large-cap, mid-cap, and flexi-cap funds for growth.
Invest in hybrid funds for stability.
Review and rebalance the portfolio annually.
A well-diversified portfolio will ensure sustained growth.

Final Insights
You are in a strong financial position. With the right planning, you can enjoy a comfortable retirement while fulfilling your commitments.

Ensure a steady monthly income from investments.
Keep an adequate emergency fund for financial security.
Plan separately for daughter’s marriage and son’s education.
Maintain tax-efficient withdrawals to reduce tax burden.
Simplify your mutual fund portfolio for better returns.
Have a well-documented estate plan for smooth wealth transfer.
A structured financial plan will ensure that you meet all your goals without financial stress.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

Ans: You have taken a great step by wanting to consolidate and balance your mutual fund portfolio. Since you are managing it yourself, it is essential to have a structured approach.

Below is a detailed guide to help you refine your investments.

Understanding Your Current Portfolio
You have multiple investments across different fund categories.
There is a mix of large-cap, mid-cap, small-cap, flexicap, multicap, and balanced advantage funds.
You also have exposure to thematic and sectoral funds.
Index funds are present, which are passively managed.
Now, let’s assess and create a balanced, simplified approach.

Disadvantages of Index Funds
They do not offer protection in a falling market.
They include all stocks in an index, even the underperforming ones.
Actively managed funds have the potential to outperform and deliver better long-term returns.
Fund managers in active funds adjust portfolios based on market conditions, which helps in downside protection.
You should reduce reliance on index funds and allocate more to actively managed funds.

Disadvantages of Direct Plans
You miss out on expert guidance from a Certified Financial Planner.
Market conditions change, and fund performance needs regular tracking.
A Certified Financial Planner helps in portfolio rebalancing, risk assessment, and taxation strategies.
Investing through an MFD with CFP credentials ensures better financial planning support.
Shifting to regular plans with the right advisor can optimize returns.

Key Issues in Your Portfolio
Too Many Funds: Managing multiple funds can be complex and lead to overlapping investments.
Sectoral Fund Exposure: Investing in sector-based funds increases risk.
Index Fund Exposure: They do not offer active risk management.
Need for Consolidation: Fewer funds with well-defined objectives will help optimize performance.
A balanced approach ensures you get the best from actively managed funds.

Steps to Balance Your Portfolio
1. Reduce the Number of Funds
Holding many funds does not mean better diversification.
Reduce overlapping funds that invest in the same market segment.
A well-diversified portfolio with fewer funds is easier to manage.
2. Focus on Actively Managed Funds
Move away from passive funds to benefit from fund manager expertise.
Active funds provide better downside protection during market corrections.
The right funds with experienced fund managers can outperform index funds over time.
3. Reduce Sectoral and Thematic Funds
Sectoral funds depend on industry performance and can be highly volatile.
They are not suitable for long-term wealth creation.
It is better to focus on diversified equity funds instead.
4. Maintain a Proper Asset Allocation
Large-Cap Funds: Stability and consistent growth.
Mid-Cap & Small-Cap Funds: Growth potential with higher risk.
Balanced Advantage Fund: Dynamic asset allocation for risk management.
Flexicap & Multicap Funds: Exposure across market segments.
Each category serves a purpose and should be included in the right proportion.

How to Consolidate Your Portfolio
Step 1: Retain a Few High-Quality Funds
Keep one large-cap fund for stability.
Have one or two flexicap/multicap funds for diversification.
Include one mid-cap and one small-cap fund for high-growth potential.
Retain a balanced advantage fund for market protection.
This reduces overlap and creates a well-balanced structure.

Step 2: Exit Unnecessary Funds Gradually
Sell underperforming and duplicate funds in a phased manner.
Avoid exiting everything at once to manage tax implications.
Invest in a few well-performing funds for better long-term results.
Step 3: Rebalance Portfolio Annually
Once a year, check if your asset allocation matches your risk tolerance.
Adjust investments based on market conditions and personal financial goals.
Ensure your portfolio remains aligned with your objectives.
Taxation Impact While Restructuring
Equity Funds (Held for Less than 1 Year): 15% short-term capital gains tax.
Equity Funds (Held for More than 1 Year): 10% tax on gains exceeding Rs. 1 lakh.
Balanced Advantage Funds: Taxed as equity.
Selling in a phased manner can reduce the tax burden.

Long-Term Portfolio Strategy
Keep a core portfolio of diversified funds.
Avoid unnecessary churning of investments.
Increase SIP amounts in well-performing funds over time.
Focus on long-term wealth creation rather than short-term market movements.
By simplifying and optimizing your portfolio, you can achieve better growth and stability.

Finally
You have already built a strong investment habit through SIPs.

Now, consolidating and refining your portfolio will help maximize returns.

Focus on active fund management, asset allocation, and long-term consistency.

A streamlined portfolio ensures better wealth creation with lower complexity.

If you need further insights, feel free to ask!

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ans: Retirement is a major life transition. Proper planning ensures financial security.

You have rental income, a stock portfolio, bank savings, and PF.

Your wife’s pension and medical insurance add stability.

Your key liabilities are your daughter’s and son’s marriages.

Let’s structure your finances wisely for a worry-free retirement.

Current Financial Position
Rental Income – Rs. 60,000 per month.

Stocks Portfolio – Rs. 30 lakh.

Bank Savings – Rs. 40 lakh.

Provident Fund (PF) – Rs. 60 lakh.

Wife’s Pension – Rs. 60,000 per month.

Medical Insurance – Covered under a state government scheme.

Key Expenses – Marriage of daughter and son in the next two years.

Steps to Secure Retirement
1) Planning for Marriage Expenses
Marriage costs can vary. Set a clear budget for both weddings.

Use a portion of bank savings (Rs. 40 lakh) for these expenses.

Keep only what is required in savings. Avoid excess cash in low-interest accounts.

Consider investing surplus funds in safer options for short-term growth.

2) Creating a Monthly Income Plan
Your combined income will be Rs. 1.2 lakh per month from pension and rent.

This may be sufficient for regular expenses.

Convert part of the PF corpus into an investment that generates steady income.

Avoid locking funds in annuities, as they offer limited flexibility.

A mix of Systematic Withdrawal Plans (SWP) from mutual funds and dividends from stocks can help.

3) Smart Allocation of Retirement Corpus
Do not keep all money in fixed deposits. Inflation reduces purchasing power.

Keep at least 2 years' expenses in a liquid fund for emergencies.

Invest a part of your stocks portfolio in safer, dividend-paying stocks.

Allocate a portion of your PF into actively managed mutual funds for long-term growth.

Maintain a balance between safety and growth to sustain wealth.

4) Healthcare and Emergency Planning
Your medical insurance covers you, but ensure it includes all necessary benefits.

Keep a separate emergency fund for medical expenses to avoid financial strain.

Set aside at least Rs. 10-15 lakh in a liquid fund for unexpected needs.

5) Estate Planning and Wealth Transfer
Prepare a will to distribute assets smoothly among family members.

Jointly hold bank accounts and property titles with your spouse for easy access.

Nominate beneficiaries for all financial assets, including stocks and mutual funds.

Final Insights
Keep a balance between safety, liquidity, and growth.

Plan marriage expenses without exhausting all cash reserves.

Ensure your retirement income is stable and inflation-proof.

Invest wisely in mutual funds through an MFD with a CFP credential for better management.

Keep a separate medical emergency fund to avoid unexpected burdens.

Secure your wealth transfer through proper documentation and nominations.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ans: You have built a strong financial foundation. Your investment portfolio and planned freelancing income provide a good base. However, retirement requires careful assessment of long-term sustainability.

Current Financial Position
Mutual Funds: Rs 2.4 crore
PF and FD: Rs 50 lakh
Gold ETF: Rs 10 lakh
Total Corpus: Rs 3 crore
Planned Freelancing Income: Rs 4-5 lakh per annum
Your total corpus appears substantial, but future expenses and inflation need consideration.

Expected Future Expenses
Current Monthly Expenses: Rs 1 lakh (Rs 12 lakh per annum)
Son’s Education: Rs 40-50 lakh over the next 5-10 years
Medical Expenses for Parents: Uncertain but partially shared with a sibling
Personal Medical Coverage: Increases yearly, but out-of-pocket costs may arise
Expenses will increase over time due to inflation.

Investment Allocation and Growth Potential
Your investments must generate enough returns to support expenses for the next 40+ years.

Equity Growth: Required to counter inflation and maintain wealth
Debt Stability: Ensures liquidity and covers near-term needs
Medical Corpus: Should remain untouched for emergencies
Careful asset allocation will help in managing risks.

Impact of Freelancing Income on Retirement Decision
Earning Rs 4-5 lakh per annum will reduce the withdrawal pressure on investments.
Even part-time work ensures better cash flow for annual expenses.
It also helps in maintaining a structured routine and professional engagement.
If freelancing continues for 10-15 years, retirement sustainability improves significantly.

Final Insights
Your financial position is strong, but complete retirement depends on expense control and investment growth. Continuing freelancing for additional income will provide financial security. A structured withdrawal plan and diversified asset allocation will ensure long-term stability.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ans: You're in a much better financial position now with an 18 LPA salary, and it's great that you’re focusing on clearing your debts. Given that your loans have been non-payment since 2021, your credit score of 650 makes it difficult to get a new personal loan or even loan restructuring through banks.

Key Issues in Your Case
Multiple Unpaid Loans – HDFC Rs. 5L, Credit Card Rs. 60K, Online Loan Apps Rs. 1L
Non-Payment Since 2021 – This likely means penalties, high interest, and legal notices.
Low Credit Score (650) – Makes it tough to get new loans or even a credit line.
1. Steps to Repay Loans Without Falling Into Another Trap
A. Prioritize Loan Repayments (Based on Interest Rates)
Online Loan Apps (Rs. 1L) → These typically have the highest interest (30-50% annually). Pay these first.
Credit Card (Rs. 60K) → If not paid, interest could be 30-40% per year. Negotiate a settlement.
HDFC Personal Loan (Rs. 5L) → If it’s a regular bank loan, the interest would be around 11-15%, so it's the last priority after high-interest loans.
B. Check for a One-Time Settlement (OTS)
Contact HDFC Bank, Credit Card Bank, and Online Lenders.
Request a One-Time Settlement (OTS) where they waive penalties and reduce the total outstanding.
Many banks offer 50-70% waiver on penalties if you show that you are serious about repaying.
C. Avoid Fraud "Loan Consolidation" Companies
Most private loan consolidators are not trustworthy—they charge upfront fees and do not guarantee approvals.
Instead, check if HDFC itself can offer a loan restructuring plan.
2. Alternative Ways to Close Loans Without a New Loan
Option 1: Employer Loan or Salary Advance
Many companies offer employee loans or salary advances at low interest rates. Speak to HR about this.

Option 2: Borrow from Family or Trusted Friends
If someone in your family can help with an interest-free loan, it will save you from high-interest payments.

Option 3: Liquidate Assets
Since you don’t have savings yet, check if you have:

Jewelry/Gold → You can take a Gold Loan (8-10% interest) and close high-interest loans first.
Bike/Car → If not essential, selling them can give you funds to clear high-interest loans.
Option 4: Build a 6-Month Repayment Plan from Salary
With your salary of Rs. 1.5L per month, you can allocate:

Rs. 70K for basic expenses & rent
Rs. 80K for clearing debts
In 6-7 months, you can close the Rs. 1.6L high-interest loans (online loans + credit card)
Then, tackle the Rs. 5L HDFC loan through structured EMIs
3. How to Improve Your Credit Score for Future Loans (Marriage & Home Loan)?
Step 1: Start Paying All EMIs on Time (No Delays)
Even a small delay now will damage your credit score further.
If you settle your loans, get a NOC (No Objection Certificate) from banks to ensure it's marked as "Closed" in your credit report.
Step 2: Get a Secured Credit Card
Banks like HDFC, ICICI, or SBI offer secured credit cards against FD.
Open a Rs. 50K FD, get a secured credit card, and spend Rs. 2,000-3,000 per month and pay in full.
This will increase your CIBIL score in 6-12 months.
Step 3: Avoid Any New Loan for 1 Year
Avoid applying for any new unsecured loan until your score crosses 750+.
Instead, build an emergency fund of Rs. 1-2L in savings first.
Final Plan for You
Negotiate One-Time Settlement with lenders to waive penalties.
Close Online Loans & Credit Cards first within 6-7 months using salary surplus.
Then, start regular EMIs for HDFC loan (Request restructuring if needed).
Get a Secured Credit Card after clearing debts.
Save Rs. 1-2L as an emergency fund before applying for any future loans.
If you follow this, your CIBIL score will improve in 12-18 months, making you eligible for future home and marriage loans at good interest rates.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ans: You have taken a thoughtful step toward securing your children’s financial future. Investing in Systematic Investment Plans (SIPs) in their names can provide them with long-term wealth. However, there are important aspects to consider.

Ownership and Control of Investment
Since your child is a minor, the investment account is operated by the guardian.

Your wife, as the guardian, has control until the child turns 18.

After attaining majority, the child must update records for direct ownership.

SIPs continue but require KYC completion in the child’s name.

Taxation Impact of Investing in Child’s Name
Any income from these investments is clubbed with the parent’s income.

The income is taxed in the hands of the higher-earning parent.

Once the child turns 18, taxation applies individually in their name.

If SIPs are equity-based, long-term capital gains tax applies beyond Rs. 1 lakh.

For debt funds, capital gains tax is based on holding period and indexation.

Operational Challenges of SIPs in Child’s Name
Money deposited in a minor’s account must be legally justified as a gift.

Some banks restrict large SIP transactions from a minor’s account.

When the child turns 18, all investments need re-verification.

If KYC updates are not completed, redemptions and further investments may get blocked.

Alternative Approach for Child’s Future Wealth
Instead of opening SIPs in a child’s name, consider investing in your own name and earmarking funds for them.

You can maintain control without KYC changes later.

Taxation remains in your name until you transfer funds.

Flexibility to reallocate funds for child’s education, marriage, or other needs.

No requirement to re-submit documents when they turn 18.

Final Insights
You have chosen the right path by thinking about long-term wealth creation for your children. However, investing in your name with a clear allocation for their future can simplify taxation and operations. This also provides flexibility in managing funds as per future needs.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ans: The tax regime you choose impacts your tax savings and investments.

Both the old and new regimes have their benefits. The best option depends on your financial situation.

Let’s analyse both in detail.

Basic Comparison Between Old and New Regime
The old regime allows deductions under various sections.

The new regime offers lower tax rates but removes most deductions.

If you claim multiple deductions, the old regime may be better.

If you prefer a simpler approach, the new regime may suit you.

Impact of Your Investments on Tax Savings
You invest in NPS, which qualifies for deductions under 80CCD(1B).

You also have medical health insurance, which is deductible under 80D.

Critical illness insurance also gives tax benefits under 80D.

These deductions can significantly reduce taxable income in the old regime.

Tax Slabs and Rates Consideration
The old regime has higher tax rates but offers multiple deductions.

The new regime has lower tax rates but removes most exemptions.

At high income levels, deductions play a crucial role in tax planning.

How Salary Structure Affects the Choice
A salary of Rs. 2.7 crore includes basic pay, allowances, and incentives.

If your salary has HRA, it is exempt under the old regime.

If you receive LTA, it is also exempt under the old regime.

If your salary has more taxable components, the new regime may work.

Deductions Available in the Old Regime
Standard deduction of Rs. 50,000 for salaried individuals.

NPS investment deduction under 80CCD(1B) up to Rs. 50,000.

Health insurance and critical illness premium deduction under 80D.

HRA, LTA, and home loan interest deductions (if applicable).

Deductions under 80G for donations.

New Regime – When It Can Be Beneficial
If you do not claim many deductions, the new regime may reduce tax burden.

If you prefer a simpler tax calculation process.

If your salary has fewer tax-free allowances.

Which Regime to Choose?
If your deductions exceed Rs. 5-6 lakh, the old regime is better.

If you have no home loan and fewer deductions, consider the new regime.

Compare the tax outflow under both regimes before making a decision.

Final Insights
The best option depends on how much tax you can save.

If you claim multiple deductions, the old regime offers better benefits.

If you prefer lower tax rates with fewer complications, the new regime works.

Review your total deductions and taxable income before finalising your choice.

Consult a Certified Financial Planner for a customised tax strategy.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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