I am a regular reader of your blog and like the same. I am a 39 year single working female and this is my third email to you. Please examine my portfolio and let me know if any changes have to be made so that I can generate maximum returns on my investments. Also plan to withdraw / use lump sum investments for home buying. Kindly advise.

SIPs I plan to continue for the long term.

My lump sum investments are as follows:

Sr. no.	Date	MF name	Amount
1	20-11-2019	UTI Mastershare Unit Scheme-Regular Growth	200000
2	22-11-2019	UTI Liquid Cash Plan - Regular Plan - Growth	300000
	09-11-2020	Withdraw UTI Liquid Cash Plan - Regular Plan - Growth	250000
3	11-11-2020	UTI Liquid Cash Plan - Regular Plan - Growth	200000
4	01-01-2020	Axis Retirement Savings Fund - Dynamic Plan , Regular growth	30000
5	01-01-2020	Axis Retirement Savings Fund - Aggressive Plan , Regular growth	40000
6	01-01-2020	Axis Retirement Savings Fund - Conservative Plan , Regular growth	30000
7	23-07-2021	UTI Ultra Short Term Fund - Regular Growth Plan	40000
8	23-07-2021	UTI Flexi Cap Fund (Formerly known as UTI Equity Fund) - Regular Growth	30000
9	23-07-2021	UTI Mastershare Unit Scheme - Regular Growth Plan	30000
10	28-07-2021	UTI Ultra Short Term Fund - Regular Growth Plan	50000
11	04-08-2021	UTI Focused Equity Fund - Regular Growth Plan	30000
12	02-09-2021	UTI Liquid Cash Plan - Regular Plan - Growth	120000
13	01-10-2021	HDFC Developed World Indexes Fund of Fund	25000
14	01-10-2021	Aditya Birla Sun Life Flexi Cap Fund - Growth - Regular Plan	25000
15	04-10-2021	SBI Focused Equity Fund (Regular growth )	25000
16	04-10-2021	DSP Flexi Cap Fund	25000
17	01-11-2021	Aditya Birla Sun Life Flexi Cap Fund - Growth - Regular Plan	25000
18	01-11-2021	ICICI Prudential Multi-Asset Fund - Growth	25000
19	01-11-2021	HDFC Large and Mid Cap Fund - Regular Plan - Growth (Erstwhile HDFC Growth Opportunities Fund)	25000
20	01-11-2021	DSP Mid Cap Fund - Regular Plan - Growth	25000
21	01-12-2021	HDFC Multi Cap Fund Regular Growth	20000
22	01-12-2021	Axis Multicap Fund Regular Growth	20000
23	3.01.2022	HDFC Multi Cap Fund Regular Growth(HMCRG)	50000

TOTAL MF

1140000

My SIP Portfolio is as below:

Sr. no.	Start Date	MF name	Amount
1	22-11-2019	ULIP	3000
2	22-11-2019	UTI Mastershare / UTI	4000
3	22-11-2019	UTI Equity fund / UTI	4000
4	22-11-2019	UTI MNC Fund / UTI	5000
5	25-11-2019	Aditya Birla Sunlife Focus / HDF	3000
6	25-11-2019	Aditya Birla Sunlife India / HDF	3000
7	26-11-2019	Axis Bluechip / UTI	2000
8	26-11-2019	Axis Multicap Fund / UTI	2000
9	19-12-2019	HDFC Equity Fund	1000
10	20-12-2019	HDFC Top Fund	1000
11	13-01-2020	UTI Flexi Cap Fund(UTI Equity fund)Regular growth plan	2000
12	13-01-2020	UTI Value Opportunities Fund - Regular fund	2000
13	10-01-2020	ICICI Prudential Bluechip Fund	1000
14	10-01-2020	ICICI Prudential Multicap Fund	1000
15	13-01-2020	ABSL India Gen Next Fund	1000
16	13-01-2020	ABSL Equity Fund	1000
		Total	36000

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I understand what you are saying!
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You can connect with me too to learn the same.

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Ans: Your daughter is most likely eligible

Ans: No realistic chance of getting nit,iiit,gfti

Ans: Yes, You cleared the minimum 65% board marks criteria for ST category.

Ans: Chance is very slim.

Ans: no such company registered with SEBI as a broker, chk on the link https://www.sebi.gov.in/sebiweb/other/OtherAction.do?doRecognisedFpi=yes&intmId=30.
they are fraud, take your money back and file a police complaint.

Ans: I truly appreciate your courage and clarity even in the face of health challenges. With your current financial resources and the need to secure a monthly income of Rs. 70,000, a detailed and careful plan is very much possible.

Let me give you a full 360-degree solution below, step-by-step.

Understanding Your Present Financial Picture
You are 55 years old and have been living with stage 4 cancer for 5 years.

You are still employed and drawing a salary of Rs. 30 lakhs per year.

You have Rs. 75 lakhs in your savings bank account.

You hold Rs. 25 lakhs in shares, with Rs. 12 lakhs in losses.

You have Rs. 12 lakhs in mutual funds.

Rs. 3 lakhs is in your EPF account.

You have no loans or financial commitments.

Your main concern is to receive Rs. 70,000 every month if the job stops.

You are not looking to take risks.

You want regular, reliable income without physical involvement.

Step 1: Emergency Medical and Health Fund
Health comes first. Keep money aside just for medical needs.

This fund should cover two years of your full household and medical costs.

Keep Rs. 15 to 20 lakhs aside for this purpose.

This money should be in ultra-safe places.

Prefer a savings bank account and liquid mutual funds.

This should remain untouched unless truly needed.

This emergency buffer gives peace and avoids panic in tough times.

Step 2: Generate Rs. 70,000 Monthly Income
Rs. 70,000 monthly means Rs. 8.4 lakhs needed per year.

Aim for post-tax cash flow from your investments.

Break your funds into income generation buckets.

Use your Rs. 75 lakhs from savings bank as the core capital.

Avoid keeping the full amount idle in SB account.

Allocate funds into low-risk, stable return instruments.

Prefer investment avenues offering quarterly or monthly payouts.

Choose options where you can withdraw in parts if needed.

Step 3: Structured Investment Allocation
Short-Term Bucket: 1 to 2 Years

Set aside Rs. 18 to 20 lakhs for short-term needs.

Put this money into highly liquid options.

Use only those that protect capital and give fixed income.

These funds will generate stable income for the next two years.

Prefer options offering monthly or quarterly payouts.

This will help replace your salary if job stops.

You don’t need to sell any shares or mutual funds right away.

You get time to think clearly, plan calmly.

Medium-Term Bucket: 3 to 5 Years

Keep around Rs. 25 to 30 lakhs here.

Invest in actively managed hybrid mutual funds.

Choose regular plans through a mutual fund distributor with CFP credentials.

Do not go for direct funds.

Direct plans do not come with personalised guidance.

There is no one to help you rebalance, switch or review.

Regular plans through a Certified Financial Planner offer ongoing support.

With hybrid funds, risk is moderate and returns are better than FDs.

Use SWP (Systematic Withdrawal Plan) to get monthly income.

You can set up SWP of Rs. 40,000 to 50,000 from this bucket.

These funds will last for years while also growing gradually.

Long-Term Bucket: 5+ Years

Keep Rs. 10 to 15 lakhs for the long-term.

This is not for current income, but for inflation beating growth.

Invest in actively managed large cap or balanced advantage funds.

Again, use regular plans with Certified Financial Planner.

These funds will build wealth for later stages.

You can shift gains to the medium bucket after 5 years.

Step 4: Shareholding Review and Action Plan
You have Rs. 25 lakhs in shares.

Out of this, Rs. 12 lakhs are in losses.

Do not sell them in a hurry.

Some may recover if you wait patiently.

First, make a list of all companies and their quality.

Exit poor-quality stocks even at a loss.

Retain good quality stocks with strong future.

If the whole portfolio is confusing, take help from a Certified Financial Planner.

You can harvest the loss now to set off gains later.

Book losses smartly to reduce future capital gains tax.

After cleaning up, move the proceeds to your medium bucket.

Step 5: Mutual Fund Review
You hold Rs. 12 lakhs in mutual funds.

Find out the type of each fund.

If these are equity funds, hold them long-term.

If returns are low or risk is high, shift to hybrid funds.

Avoid investing in index funds.

Index funds cannot protect capital in falling markets.

They simply copy the market blindly.

Actively managed funds are safer.

Professional fund managers take timely actions.

They reduce your risk and improve consistency.

Step 6: EPF Strategy
You have Rs. 3 lakhs in EPF.

EPF earns stable tax-free interest.

Do not withdraw unless it’s urgent.

Keep it as part of your long-term reserve.

Step 7: Monthly Income Setup
Use short-term and medium-term buckets to get income.

Start SWP from mutual funds for Rs. 40,000 monthly.

Use fixed income tools for Rs. 30,000 more.

Review this every year with a Certified Financial Planner.

Adjust amounts if needed based on inflation.

Step 8: Tax Planning and Awareness
Income from mutual funds is taxable.

Long-term capital gains above Rs. 1.25 lakhs taxed at 12.5%.

Short-term gains taxed at 20%.

Debt fund gains taxed as per your slab.

Plan redemptions to avoid tax shocks.

Harvest profits in a planned manner.

Step 9: Avoid These Common Mistakes
Do not invest in real estate.

It is illiquid and needs physical handling.

Do not buy annuities.

They give poor returns and lock your money.

Do not fall for insurance + investment combos.

If you already hold such policies, review them.

Consider surrender if return is poor.

Reinvest the proceeds into mutual funds.

Step 10: Use a Certified Financial Planner
A Certified Financial Planner gives structured and unbiased advice.

They help you with fund selection, SWP setup, rebalancing.

They guide you with tax-saving and risk control.

Their ongoing service is crucial at your life stage.

Choose someone with experience and clear credentials.

Finally
You are in a better financial position than many.

You have no loans, no dependents, and have built good savings.

With a calm and simple plan, you can replace your income safely.

You do not need to take risky steps now.

You have already shown strength by managing your life and job for 5 years.

Now your money should serve you with peace and stability.

Break your capital into buckets.

Get monthly income through safe withdrawals.

Review regularly with a Certified Financial Planner.

Avoid unnecessary complexity or noise.

You deserve a peaceful financial life.

Your health is precious. Let money be your quiet support.

Invest safe. Withdraw smart. Sleep well.

You are already doing well. Just add clarity and structure.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment