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Is 70 Lakhs FD enough for a 63-Year-Old to Purchase a House?

Ramalingam

Ramalingam Kalirajan  |7336 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 02, 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
Sohan Question by Sohan on Nov 01, 2024Hindi
Money

Sir I am retired person age is 63 years.I have fd about ,70 lakhs my advice to help him purchase a house but he also earn monthly 3.80lakh . please help me what ican do. Rgds S p singh

Ans: At 63 years old, it's great to see you actively considering your financial future. You currently have Rs 70 lakh in fixed deposits, which provides a safety net. Your monthly income of Rs 3.80 lakh is a strong position. Let's explore how you can best use your resources.

Understanding Fixed Deposits
Safety and Returns
Fixed deposits are safe and provide guaranteed returns. However, they may not keep pace with inflation over the long term.

Liquidity Concerns
While FDs are liquid, withdrawing funds can incur penalties. This may affect your overall returns.

Tax Implications
Interest earned from FDs is taxed as per your income slab. This can reduce your effective income.

Three spaces

In summary, FDs provide stability but have limitations in returns and tax efficiency.

Monthly Income and Budgeting
Assessing Monthly Income
Your monthly income of Rs 3.80 lakh gives you significant flexibility. This can be allocated towards various needs, including housing, savings, and expenses.

Creating a Budget
Start by listing your monthly expenses. Ensure you allocate funds for necessities, leisure, and future savings. This will help you understand your disposable income.

Three spaces

A clear budget will help you manage your finances better and achieve your goals.

Considering Home Purchase
Evaluating the Need for a Home
Buying a home can be a significant decision. Consider your current living situation and future plans.

Affordability Assessment
With Rs 70 lakh in FDs and a monthly income of Rs 3.80 lakh, you can afford a comfortable home. Assess how much you want to spend on a house.

Impact on Savings
Purchasing a house may reduce your liquidity. Ensure you maintain enough savings for emergencies and unexpected expenses.

Three spaces

It’s essential to balance the desire for home ownership with your overall financial security.

Investment Options Beyond Fixed Deposits
Exploring Other Investments
While FDs are safe, consider diversifying your investments. This can enhance your returns and reduce risks.

Investing in Mutual Funds
Actively managed mutual funds can offer better returns than FDs over time. They provide professional management and diversification, which can be beneficial.

Tax Efficiency of Mutual Funds
Long-term capital gains from equity mutual funds are taxed at a lower rate. This can be advantageous compared to FD interest.

Three spaces

Investing in mutual funds may enhance your portfolio's growth potential.

Evaluating Debt and Equity Balance
Understanding Risk Tolerance
Assess your risk tolerance. As a retiree, you may prefer safer investments. However, some exposure to equity can provide growth.

Creating a Balanced Portfolio
Consider a mix of debt and equity investments. This approach can help balance safety and returns.

Regular Monitoring and Adjustments
Monitor your investments periodically. Adjust your portfolio based on market conditions and your changing needs.

Three spaces

A balanced portfolio is crucial for financial health in retirement.

Tax Implications on Investments
Taxation of Fixed Deposits
Interest from FDs is taxed as per your income slab. This can reduce your effective returns.

Mutual Fund Taxation
For equity mutual funds, long-term capital gains above Rs 1.25 lakh are taxed at 12.5%. Short-term gains are taxed at 20%. This tax structure can be more favorable than FD interest taxation.

Three spaces

Understanding tax implications can help you make informed investment decisions.

Planning for Future Expenses
Anticipating Healthcare Costs
As you age, healthcare costs may increase. Ensure you allocate funds for medical expenses. This is crucial for maintaining your health and lifestyle.

Emergency Fund
Maintain a separate emergency fund. This should cover 6-12 months of expenses. It provides a safety net in case of unexpected situations.

Retirement Lifestyle Considerations
Think about your lifestyle in retirement. Allocate funds for hobbies, travel, and family. Ensuring a comfortable lifestyle is essential for your well-being.

Three spaces

Planning for future expenses can enhance your retirement experience.

Final Insights
Considering your strong monthly income and existing assets, you are in a good position to explore options.

Evaluate the necessity of purchasing a house against your liquidity needs.

Diversify investments beyond FDs for better returns.

Create a balanced portfolio of debt and equity.

Pay attention to tax implications to enhance your income.

Ensure you have adequate provisions for healthcare and emergencies.

Working with a Certified Financial Planner can further help you clarify your goals and manage your investments. This can ensure you are well-prepared for your retirement years.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
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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I am 61 years and retired from central government. Getting 48000 and 30000 as pension and rent. All my retirement benefits are exhausted on building of house and education loan. I need 5000000 fifty lakhs in seven years. What i should do. This amoint to be given to my son and what way i accummulate.
Ans: I appreciate your commitment to helping your son. Let's explore ways to accumulate Rs 50 lakhs in seven years.

Evaluate Current Income and Expenses

Track your monthly income of Rs 78,000. Prioritise your essential expenses and find areas to save.

Create an Investment Plan

Consider investing in mutual funds. Actively managed funds often outperform index funds, especially in volatile markets.

Benefits of Actively Managed Funds

Actively managed funds are handled by expert fund managers. They can adapt strategies based on market conditions.

Systematic Investment Plan (SIP)

Start a SIP to invest regularly. This helps in averaging costs and reduces market risk.

Consider Balanced Funds

Balanced funds invest in both equity and debt. This provides growth and stability.

Emergency Fund

Set aside a small amount each month for emergencies. This ensures financial security without touching investments.

Avoid Real Estate and Annuities

Real estate can be illiquid and risky. Annuities often have high fees and low returns.

Seek Professional Advice

Consult a Certified Financial Planner. They can tailor a plan to help you achieve your goal.

Stay Committed and Review Regularly

Monitor your investments and make adjustments if needed. Stay focused on your goal.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Ramalingam Kalirajan  |7336 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 31, 2024

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Sir, I am a retired person having a pension of 1 lakh. I have 33 lakhs in PPF, 50 lakhs in bank FD, 60 lakhs in share under PMS, 28 lakhs in MF, two houses with one house in rent of 30k pm, home loan of 10 lakhs. My only son is working with 80k salary. Can I ask him to take retirement to look after us
Ans: You have a stable pension of Rs 1 lakh per month. Your PPF account holds Rs 33 lakhs. You also have Rs 50 lakhs in a bank FD. Your shares under PMS are valued at Rs 60 lakhs. Your mutual funds are worth Rs 28 lakhs. You own two houses, one of which generates a rental income of Rs 30,000 per month. You have a home loan of Rs 10 lakhs.

Dependence on Son
Your son earns Rs 80,000 per month. You are considering asking him to take early retirement to look after you. Let's evaluate the financial and emotional aspects of this decision.

Financial Considerations
Your Pension and Income: Your pension and rental income provide a stable monthly inflow. This can cover your regular expenses.

Assets: Your PPF, FD, shares, and mutual funds offer substantial financial security. They can be used for future needs or emergencies.

Home Loan: You have a home loan of Rs 10 lakhs. Ensure it is manageable within your current income and assets.

Asking Your Son to Retire
His Financial Independence: Your son’s financial independence is crucial for his future. Early retirement could affect his long-term financial stability.

Supporting You: While he might want to support you, his income is also important for his family and future plans.

Alternative Solutions
Professional Care: Consider hiring professional care services. This ensures you receive proper care without affecting your son's career.

Family Discussions: Have an open discussion with your son about your needs. Explore solutions together that balance his career and your care.

Evaluating Your Portfolio
PPF and FD: These provide safety and stable returns. Continue maintaining them for risk-free growth.

Shares under PMS: Ensure your portfolio is well-managed. Regular reviews can enhance returns and manage risks.

Mutual Funds: Diversify your mutual fund investments. Opt for a mix of equity and debt funds to balance growth and safety.

Managing Home Loan
Repayment: Evaluate options to repay the home loan early. This reduces financial stress and interest burden.

Rental Income: Use your rental income to support loan repayments or reinvest in safer assets.

Final Insights
Your financial position is stable with diverse assets. Asking your son to retire might not be the best solution. Consider professional care and open family discussions. Ensure your investments are well-managed and balanced for future needs.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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Ramalingam Kalirajan  |7336 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 04, 2024

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Dear sir, Your advice to 43 years of Govt employee of monthly 80000/- in hand salary is not correct at all. If he invest totally around 50000 per month how he will run his house in Rs. 30000/- Advice given is not practical and without proper calculation..
Ans: Your concern about the practicality of investing Rs. 50,000 per month from a Rs. 80,000 salary is understandable. Here’s the rationale behind the original advice, with some adjustments for clarity:

1. Loan Repayment Focus
Initial Loan Repayment Strategy:

Priority: The original advice emphasized clearing the Rs. 8 lakh personal loan first. This strategy is essential to reduce the interest burden and free up more funds for investment.
Repayment Allocation: Allocating a significant portion of your salary towards loan repayment for the first few years is crucial. This might mean tighter budgeting initially.
2. Investment Strategy During Loan Repayment
Balanced Investment Approach:

Gradual Increase: The original advice suggested a more aggressive investment approach post-loan repayment. While repaying the loan, the emphasis should be on minimal but consistent investments.
SIP and NPS Contributions: Initially, a smaller portion of the monthly income can be allocated to SIPs and NPS. Once the loan is cleared, you can increase the investment amount.
3. Managing Household Expenses
Monthly Budget Management:

Expense Allocation: The original plan considered Rs. 30,000 for monthly expenses, which might be tight but manageable with disciplined budgeting. Adjustments can be made to ensure a balanced approach.
4. Long-Term Investment Plan
SIP and PPF Contributions:

SIP Investments: Investing Rs. 20,000 per month in diversified mutual fund SIPs ensures a disciplined approach to wealth accumulation. This amount can be adjusted based on the current financial situation.
PPF Contributions: Allocating Rs. 1.5 lakhs annually to PPF maximizes the tax benefits and provides a safe, long-term investment option.
5. Insurance and Risk Management
Adequate Coverage:

Health Insurance: Ensuring sufficient health insurance coverage is crucial for protecting against high medical costs.
Term Insurance: Adequate term insurance secures your family’s financial future in case of any unforeseen events.
Final Insights
The original advice aimed to provide a comprehensive financial plan that balances loan repayment, household expenses, and investments.

Loan Repayment Priority: Clearing the Rs. 8 lakh loan within 2-3 years reduces interest burden.
Initial Investment Strategy: Start with smaller SIP and NPS contributions during loan repayment.
Expense Management: Allocate Rs. 30,000 for household expenses initially, increasing as loan repayment progresses.
Long-Term Focus: After loan repayment, increase SIP and PPF contributions to meet the Rs. 1 crore retirement goal.
By following this strategy, he can manage his current financial obligations while building a robust retirement corpus.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ans: History noted.
Considering your age 35 years, trying to conceive since, one year and few test done, one of which suggest possibility of tubal blockage, there are various modalities of treatment.
Firstly, you can do laparoscopy to note the severity if blockage and do tubal cannulation.
Tubal cannulation is often the first line of treatment for patients with blocked fallopian tubes because it's a non-invasive procedure that's widely available.
Tubal cannulation is a procedure that can unblock fallopian tubes and is highly successful for proximal tubal blockages, with a success rate of over 80%. However, it may not be successful for all patients and is not recommended for distal tubal occlusions.
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Hello Doctor, I’m in my late 20s, and lately, I’ve been feeling like something’s off with my body. My periods either show up way too early, sometimes not at all for months. And, I’ve been putting on weight even though I haven’t changed my diet or exercise routine. My skin has also turned into a battlefield with acne all over, which I never used to have before. My cousin, who’s around my age, just found out she has PCOS, and her mom (my aunt) went through something similar when she was younger. Now, I’m scared because I’ve been hearing all these horror stories about how it can affect fertility, and I’m not even married yet. What if it’s a family thing and I end up facing the same problems? My mom says, ‘Don’t worry, it’ll be fine,’ but I can’t stop thinking about it. Should I see a gynecologist, or is there another kind of doctor I should be visiting? What tests should I do to get to the bottom of this before it gets worse? Honestly, I’m feeling overwhelmed and just want to know what’s going on before it’s too late.
Ans: Hello, noted your concerns
You are in late 20’s with irregular periods, acne, weight gain,
You are undergoing hormonal imbalance
We need to do certain blood test like
CBC, tsh prolactin fasting insulin level
Hba1c, testosterone level
DHEA, LH FSH ESTRADIOL LEVEL
Amd AMH level to check for fertility level
Usg pelvis to rule out
Pcos
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1) Daily exercise, walks. Zumba, running
2) Good nutritious food with proteins, vitamins, minerals, low carbs and fats
3) good adequate sleep 7 to 8 hours
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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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