I am a regular reader of your blog and appreciate the same. I am 37 years old. I have an investment goal of Rs.50L when I reach 50 years. My monthly SIP is Rs. 22500. Please advise. My current portfolio is as under:

Scheme	Type	Invested	SIP
Aditya Birla Sun Life Tax Relief 96 - Reg - G	Tax	107,000	Stopped
HDFC Tax saver	Tax	105,000	Stopped
Nippon India Tax Saver ELSS	Tax	213,026	Stopped
Franklin India Tax Shield	Tax	90,000	Stopped
Mirae Asset Tax Saver Fund G	Tax	10,000	2,500
Canara Robeco Equity Tax Saver	Tax	10,000	2,500
Quant Tax Plan	Tax	10,000	2,500
Axis Bluechip fund	Equity	40,498	5,000
Aditya Birla Sun Life Mfg Equity Fund	Equity	156,000	2,000
HDFC Gold Trader Fund Growth - Direct	Equity	30,000	2,000
Motilal Oswal NASDAQ 100 ETF	ETF	17,000	1,000
Mirae Asset Emerging Bluechip Fund - Growth	Equity	16,014	1,000
IIFL Focused Equity Fund - Growth	Equity	14,000	1,000
Canara Robeco Emerging Eqities	Equity	14,000	1,000
Parag Parikh Flexi Cap Fund	Equity	3,000	1,000
ICICI Prudential Technology Fund - Growth	Equity	14,000	1,000

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Ans: To calculate the new acquisition price and Fair Market Value (FMV) of equity shares in a demerged company, follow these steps:
1. Determining FMV (for shares purchased before 31-01-2018)
- FMV is typically based on the highest price quoted on a recognized stock exchange on January 31, 2018.
- If the shares were not listed on that date, FMV is determined by a merchant banker or registered valuer.
2. Calculating the New Acquisition Price
The cost of acquisition of shares in the resulting company (post-demerger) is calculated using Section 49(2C) and 49(2D) of the Income Tax Act:
- Formula:
[ \text{Cost of acquisition of new shares} = \text{Cost of original shares} \times \left(\frac{\text{Net book value of assets transferred}}{\text{Net worth of demerged company before demerger}}\right) ]
- The remaining cost is adjusted for the original shares.
For example:
- If you held 100 shares of a company at ?50 each (total ?5,000) before demerger.
- The company states that 7.29% of the cost applies to the new entity.
- Then, the cost of acquisition for the new shares = ?5,000 × 7.29% = ?364.50.
- The revised cost of the original shares = ?5,000 - ?364.50 = ?4,635.50.

hope this helps

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Ans: Hello;

I would recommend you to avoid thematic fund and instead invest in a flexicap type mutual fund for 15 year horizon.

But make sure to step up your monthly sip for example say by 10% each year to enhance the possibility of building a decent corpus.

Best wishes;

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Ans: Hi,
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BEST WISHES.
POOCHO. LIFE CHANGE KARO.

Ans: It's commendable that you're considering the best investment route for your Rs. 1 crore savings. Let's evaluate the options you've mentioned and explore a comprehensive approach to wealth creation.

Understanding Your Investment Options
1. Investing in the Additional Flat

Illiquidity Concerns: Real estate investments are typically illiquid. Selling a property can take time and may not fetch the expected price.

Maintenance and Other Costs: Owning an additional flat comes with recurring expenses like maintenance charges, property taxes, and potential renovation costs.

Market Volatility: Property prices can fluctuate based on various factors, including economic conditions and government policies.

Rental Income Uncertainty: If you're considering renting out the flat, rental yields in many Indian cities are relatively low compared to the property's value.

2. Keeping the Amount in Fixed Deposits (FDs)

Low Returns: FDs offer fixed returns, but these may not outpace inflation, leading to a decrease in real purchasing power over time.

Tax Implications: Interest earned from FDs is taxable as per your income slab, which can further reduce the net returns.

Lack of Flexibility: Premature withdrawal from FDs can attract penalties, limiting liquidity.

Exploring Mutual Funds as an Alternative
Given that you're new to mutual funds and SIPs, it's essential to understand their potential benefits:

Professional Management: Mutual funds are managed by experienced fund managers who make investment decisions based on thorough research.

Diversification: By investing in a mutual fund, your money is spread across various assets, reducing risk.

Liquidity: Most mutual funds offer high liquidity, allowing you to redeem your investment when needed.

Potential for Higher Returns: Historically, mutual funds, especially equity-oriented ones, have offered higher returns over the long term compared to traditional instruments like FDs.

Tax Efficiency: Mutual funds can be more tax-efficient, especially with the benefits available under certain sections of the Income Tax Act.

Recommended Approach
Considering your current situation and the pros and cons of each investment option:

Avoid Investing in the Additional Flat: Given the illiquidity, associated costs, and potential market volatility, investing in another property may not be the most efficient use of your funds.

Limit Exposure to FDs: While FDs offer safety, the returns may not be sufficient to meet long-term financial goals, especially after accounting for inflation and taxes.

Consider Mutual Funds for Wealth Creation:

Start with a Lump Sum Investment: Allocate a portion of your Rs. 1 crore savings into mutual funds, focusing on a mix of equity and debt funds based on your risk appetite.

Initiate SIPs: Set up Systematic Investment Plans to invest a fixed amount regularly, benefiting from rupee cost averaging and disciplined investing.

Consult a Certified Financial Planner: Given your unfamiliarity with mutual funds, seeking guidance from a certified professional can help tailor an investment strategy aligned with your financial goals.

Final Insights
Your initiative to seek advice before making a significant investment decision is commendable. By steering clear of additional real estate investments and limiting exposure to low-yield instruments like FDs, you can explore avenues like mutual funds that offer the potential for higher returns and greater flexibility. Engaging with a certified financial planner can further ensure that your investment strategy is well-aligned with your long-term financial objectives.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

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Upload your existing Class 12 marksheet (with 72%) – mention that you’re appearing for improvement.

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During document verification or admission reporting, inform the reporting center about your situation.

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Once the improvement result is out, immediately upload/submit the updated mark sheet

Ans: Hi
It totally depends on your career goals and interests. Both the institutions are very good.