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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Dec 10, 2019

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Anoop Question by Anoop on Dec 10, 2019Hindi
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Recommendations in Reply table

Ans:
Name of the FundCategoryRankMF Star RatingRecommendations
1. Hdfc Top 100 Fund Equity - Large Cap Fund 4 Continue the investment
2. Icici prudential value discovery fund Equity - Value Fund 2 Better options are available, refer the recommended schemes of this category
3.Icici prudential blue chip fund Equity - Large Cap Fund 3 Better options are available, refer the recommended schemes of this category
4.Hdfc Hybrid equity fund Hybrid - Aggressive Hybrid Fund 5 Continue the investment
5.SBI blue chip fund Equity - Large Cap Fund 4 Continue the investment
6.SBI Small cap fund Equity - Small cap Fund 2 Better options are available, refer the recommended schemes of this category
7. Mirae asset large cap fund Equity - Value Fund 4 Continue the investment

 

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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Omkeshwar

Omkeshwar Singh  | Answer  |Ask -

Head, Rank MF - Answered on Dec 10, 2019

Money
Recommendations in Reply table
Ans:
Name of the FundCategoryRankMF Star RatingRecommendations
1.DSP Top 100 EquityFund- Growth Equity - Large Cap Fund 4 Continue the investment
2. Franklin India Blue Chip fund- Growth Equity - Large Cap Fund 3 Better options are available, refer the recommended schemes of this category
3.Franklin India Equity AdvantageFund- Growth Equity - Large & Mid Cap Fund 3 Axis Growth Opportunities Fund is Better option
4.Franklin India Focussed Equity Fund -Growth Equity - Focused Fund 3 Better options are available, refer the recommended schemes of this category
5. Franklin India Prima Fund- Growth Equity - Mid Cap Fund 3 Better options are available refer the recommended schemes of this category
6.Templeton India Equity Income Fund- Growth Equity - Dividend Yield Fund 3 Uti Dividend Yield Fund - is Better option
7.Franklin Indian Feeder - Franklin US Oppo fund- Growth FoFs (Overseas) 2 Kotak Global Emerging Market Fund Growth is Better option schemes of this category
8.HDFC Index Fund - Growth (scheme name not Properly specified) -  
9. HDFC Short term Debt Fund- Growth Debt - Short Duration Fund 4 Continue the investment
10.ICICI (P) Multi Asset Fund- Growth Hybrid - Multi Asset Allocation 4 Continue the investment
11.ICICI(P) Blue Cheap Fund- Growth Equity - Large Cap Fund 3 Better options are available refer the recommended schemes of this category
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14. ICICI(P) FMCG Fund-Growth Equity - Sectoral Fund - FMCG 5 Continue the investment
15.ICICI(P) Mid cap Fund Growth Equity - Mid Cap Fund 2 Better options are available refer the recommended schemes of this category
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Ramalingam

Ramalingam Kalirajan  |7838 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 05, 2025

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Hello Sir, this is Dhiraj DM, I am 48 year's old married with no kids, we have any flat worth 1. 5 cr given on rent around 50 lakhs of equity 20 lacs mutual funds we want to retire in next 3 years,please guide. We live in a metro no liability, we r into Gifting business now want to retire in next 3 years
Ans: Your retirement is just three years away. You have built a strong foundation with real estate, equity, and mutual funds. Now, the goal is to structure your investments for steady income, security, and long-term sustainability.

1. Assessing Your Current Financial Position
Flat Worth Rs. 1.5 Crore: This generates rental income, but liquidity is limited.
Equity Portfolio of Rs. 50 Lakh: Market-linked investments with potential for high returns but volatile.
Mutual Funds of Rs. 20 Lakh: Offers diversification and moderate risk exposure.
No Liabilities: This is a strong advantage for financial freedom.
Gifting Business: If planning to exit, ensure business-related finances are sorted before retirement.
2. Estimating Post-Retirement Income Needs
Calculate expected monthly expenses, including medical, travel, lifestyle, and emergency costs.
Factor in inflation, as expenses will rise over time.
Consider long-term costs such as medical care and home maintenance.
3. Structuring Retirement Income
Rental Income as a Fixed Source
Your flat generates rental income, which helps with stability.
Consider reinvesting this income for further growth.
Portfolio Rebalancing for Stability
Equity exposure is beneficial but risky close to retirement.
Shift some funds to low-risk instruments for safety.
Keep some allocation to equity to combat inflation.
Maintaining Liquidity for Emergencies
Create an emergency fund of at least 2 years' expenses in liquid assets.
Avoid relying solely on investments that require selling in volatile markets.
4. Health and Insurance Planning
Ensure comprehensive health insurance for both of you, at least Rs. 15-20 lakh coverage.
If you hold any old insurance policies with low returns, consider restructuring them.
Create a separate healthcare fund for long-term medical expenses.
5. Tax Efficiency in Retirement
Structure withdrawals smartly to reduce tax burden on capital gains.
Use tax-free instruments where applicable.
Rental income is taxable, so deduct maintenance expenses to lower tax outgo.
6. Planning Investments for Retirement Income
Avoid complete reliance on fixed-income instruments, as they may not beat inflation.
A mix of mutual funds, debt instruments, and systematic withdrawal plans (SWP) will ensure steady cash flow.
Keep some investments growth-oriented to sustain wealth over decades.
7. Estate and Legacy Planning
Prepare a clear will to ensure smooth asset transfer.
If you plan to donate or support causes, structure funds accordingly.
Finally
Ensure liquidity and stability in your investments.
Reduce risk in equity but keep exposure for growth.
Maintain a dedicated healthcare fund and strong insurance coverage.
Structure investments to minimise taxes and ensure steady income.
Plan legacy and succession to avoid future complications.
Would you like a detailed plan on how to allocate your investments for steady retirement income?

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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

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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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