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Will My Investment Plan Secure My Retirement and Kids' Education?

Ramalingam

Ramalingam Kalirajan  |7014 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 27, 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
Asked by Anonymous - Aug 25, 2024Hindi
Money

Dear Sir, Please review below investment plan and kindly advice whether any amendments is required. I am 43yr old having 2 kids at the age of 12 & 2.5 years old. Technically looking for comfortable retirement and well established kids education. 5K each in Nippon, SBI, Quant small cap, 5K in Motilal oswal Mid cap, 5K JM Fkexi cap, 1.5K Paragh parik and 5K Quant large and mid cap funds. Plan to invest next 15years. What kind of corpus will I have at end of the tenure. Thanks in advance.

Ans: You plan to invest for the next 15 years, focusing on a comfortable retirement and securing your children's education. Your current age, 43, allows for a long investment horizon, making equity funds an appropriate choice. This horizon will also cover the education and marriage expenses of your children. It's crucial to have a diversified portfolio that aligns with your risk appetite and goals.

Portfolio Composition
You are investing Rs 5,000 each in small-cap funds, mid-cap funds, and large & mid-cap funds.
Additionally, you are putting Rs 1,500 in a flexi-cap fund.
Your total monthly investment is Rs 31,500.
Diversification: Your portfolio is well-diversified across market caps. You are spreading your investments across small, mid, and large-cap funds, which can help balance risk and return. However, you have a significant allocation to small and mid-cap funds. These funds can be volatile but offer high growth potential. It’s good that you are investing for the long term, as this allows time to ride out market volatility.

Fund Allocation Strategy
Small-Cap and Mid-Cap Funds: These are high-risk, high-reward investments. Given the long investment horizon, they can significantly contribute to the overall portfolio growth. However, these funds are prone to higher volatility and market downturns. It’s advisable to periodically review these investments to ensure they align with your risk tolerance.
Large and Mid-Cap Funds: These funds provide a balance between growth and stability. Large-cap stocks offer more stability, while mid-caps provide growth potential. This allocation adds a layer of stability to your portfolio, which is essential as you near retirement.
Flexi-Cap Fund: This fund offers flexibility by investing across market caps. It’s a good choice for diversification. It can adapt to market conditions and has the potential to perform well in varying market scenarios.
Balanced Allocation: While your current allocation is growth-oriented, consider balancing it with a mix of debt or hybrid funds as you approach retirement. This will protect your capital and provide a steady income.
Risk and Return Analysis
Your portfolio is inclined towards high-growth funds, which is suitable for your long investment horizon. However, the risk is also on the higher side due to the significant allocation to small and mid-cap funds. The potential returns from these funds can be substantial, but they can also be volatile, especially in the short to medium term. It is important to have a strategy in place to gradually shift towards more conservative investments as you approach retirement.

Future Corpus Estimation
While it is challenging to predict the exact corpus, a well-diversified equity portfolio can potentially deliver a CAGR (Compound Annual Growth Rate) of around 10-12%. Over 15 years, this could lead to a significant corpus, given consistent monthly investments and market performance. Regularly reviewing and rebalancing your portfolio will be crucial in achieving your goals.

Children's Education Planning
Education Fund: As your children are currently 12 and 2.5 years old, their higher education expenses will occur in around 6-8 years and 15 years, respectively. The current portfolio should be aligned with these timelines. For the elder child, consider gradually moving some of the investment into safer debt or hybrid funds as the education goal approaches. For the younger child, your current equity-heavy portfolio is appropriate, given the longer time horizon.
SIP Top-up: Consider increasing your SIP amount periodically as your income increases. This will help in accumulating a larger corpus, especially to meet the rising education costs.
Retirement Planning
Retirement Corpus: A significant portion of your portfolio is aimed at growth, which is suitable given your 15-year horizon. However, as you get closer to retirement, it’s important to reduce exposure to high-risk funds and increase allocation to debt funds or other conservative investment options. This will help in preserving your capital and ensuring a steady income post-retirement.
Systematic Withdrawal Plan (SWP): As you approach retirement, consider setting up an SWP in conservative funds to generate regular income. This will ensure you have a steady cash flow without the need to dip into your principal amount.
Monitoring and Rebalancing
Periodic Review: It’s important to review your portfolio at least once a year. This will allow you to assess performance, make necessary adjustments, and ensure that your investments are aligned with your changing goals and risk appetite.
Rebalancing: Over time, the market may cause your asset allocation to drift from its intended targets. Rebalancing helps in maintaining the desired level of risk and return in your portfolio.
Insurance and Contingency Planning
Life Insurance: Ensure that you have adequate life insurance coverage to protect your family's financial future in case of any unforeseen events. Term insurance is a cost-effective way to secure a large sum assured.
Health Insurance: With growing medical expenses, it's crucial to have comprehensive health insurance for the entire family. This will prevent any large medical bills from derailing your investment plans.
Emergency Fund: Maintain an emergency fund that covers at least 6-12 months of your household expenses. This fund should be kept in a liquid and safe investment option, such as a savings account or a liquid fund, to be accessed easily in case of emergencies.
Final Insights
Continue SIPs: Your systematic investment plan (SIP) approach is commendable and disciplined. Continue with your SIPs to benefit from rupee cost averaging and compounding over time.
Gradual Shift: As you approach your financial goals, gradually shift a portion of your investments to safer assets. This will help in protecting your corpus and ensuring that your financial goals are met without much risk.
Top-up SIPs: Regularly increase your SIP amounts as your income grows. This will help in building a larger corpus over time.
Regular Reviews: Keep an eye on your portfolio and make adjustments as needed. Regular reviews will ensure that your investments stay aligned with your goals.
By following this strategy, you can work towards a secure retirement and ensure that your children's education is well-funded.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
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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Mutual Funds, Financial Planning Expert - Answered on May 07, 2024

Asked by Anonymous - May 07, 2024Hindi
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I would like to know whether my investment are appropriate or need any changes. My investment plan is for long term (20 - 30 years) Current age is 30. My Investments: 1. Monthly SIP 30k (Large & Index: 30%, Mid: 40%, Small: 30%). Increment of 10% annually. 2. PPF: Yearly 1.5 lacs 3. EPF: 35k/month (Employee + Employer) 4. LIC: 20 lacs sum isnured whole life 5. Term Insurance: 1 crore 6. Mediclaim: 20 lacs 7. Fixed Deposit: 1 lac/month 8. Share: 10k/month I dont have any asset or any liability at present.
Ans: You've put together a well-rounded investment plan with a focus on long-term wealth accumulation. Let's assess your current investments and see if any adjustments are needed:

Monthly SIP: Your SIP allocation across large, mid, and small-cap funds is balanced and aligned with your long-term investment horizon. The incremental increase of 10% annually demonstrates a commitment to growing your investments over time.
PPF: Investing in PPF provides stability and tax benefits. Your yearly contribution of 1.5 lacs is commendable and will help build a corpus for your future financial needs.
EPF: EPF contributions are mandatory for salaried individuals and provide a secure avenue for retirement savings. Your monthly contribution of 35k, including both employee and employer contributions, ensures a steady buildup of your retirement corpus.
LIC: While having life insurance coverage is essential, the sum insured of 20 lacs may be inadequate considering your long-term financial goals and dependents. You may want to review your insurance needs periodically and consider increasing coverage if necessary.
Term Insurance: Your term insurance coverage of 1 crore is substantial and provides financial security to your loved ones in case of an unfortunate event. Ensure that the coverage amount is sufficient to meet your family's future financial requirements.
Mediclaim: A mediclaim policy with coverage of 20 lacs offers comprehensive health protection for you and your family. Regularly review the policy to ensure it remains adequate as medical costs rise over time.
Fixed Deposit: Investing in fixed deposits provides stability to your portfolio, but the returns may be relatively lower compared to equity investments. Consider diversifying into other asset classes for potentially higher returns over the long term.
Shares: Investing in shares can be rewarding but comes with higher risk. Ensure you have a diversified portfolio and invest based on thorough research or seek advice from a financial expert.
Overall, your investment plan is well-structured and aligned with your long-term goals. However, periodically review and rebalance your portfolio to ensure it remains in line with your risk tolerance and financial objectives. Consider consulting with a Certified Financial Planner (CFP) to fine-tune your strategy and make any necessary adjustments. Keep up the disciplined approach to investing, and you're on track to achieve financial success over the next 20-30 years. Best of luck on your financial journey!

..Read more

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Ramalingam Kalirajan  |7014 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 17, 2024

Asked by Anonymous - May 07, 2024Hindi
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Hi, My age is 37 years and need suggestion if my investment strategy is correct .I dont have specific plans for withdrawal,However looking to save for my kids higher education and comfortable retirement. Currently my monthly investment is distributed as below: i) 130000 SIP in Mutual Fund ( Large Cap 50% : a)DSP equal weight Index fund b)Canara Rob Bluechip C) SBI Contra Midcap 25%: a) Motilal mid b) Quant Mid Smallcap 15%: a) Quant Small b) Canara Rob small Misc. fund 10%: a) ICICI Nasdaq b) Edelweiss Gold+Silver I do step up in SIP based = salary increment I get. ii) 12700 in NPS iii) 40000 in FD instead of debt fund iv) 12000 to PPF 50000 every year in NPS for additional tax saving. Additionally I am already have mutual fund accumulation value of 60 Lakhs (XIRR 21%) and 12lakhs in direct stocks. Term life insurance of 50lakhs. Together with me ,I have one 9year old son and wife living together with my parents. I have no investment in real estate as had very bad experience in past . Staying in parental home. Everyone says one should have real estate investment which currently i dont hav. Please advice about my investment strategy for next 13 years till I reach 50 years of age.
Ans: Evaluating and Optimizing Your Investment Strategy for Long-Term Goals
Comprehensive Portfolio Review
Your diversified investment portfolio reflects a prudent approach towards achieving your financial objectives of funding your children's education and securing a comfortable retirement. Let's assess each component to ensure alignment with your goals and risk tolerance.

Mutual Fund SIPs Allocation
Your allocation to mutual fund SIPs across large-cap, mid-cap, and small-cap categories is well-diversified, aiming for growth potential while managing risk. Consider periodically reviewing fund performance and rebalancing your portfolio to maintain optimal asset allocation.

National Pension System (NPS) Contributions
Continuing NPS contributions provide tax benefits and long-term retirement savings. Evaluate the suitability of your NPS investment strategy based on your risk profile and retirement goals. Consider adjusting your asset allocation within the NPS to align with your overall portfolio.

Fixed Deposits vs. Debt Funds
Reassess the rationale for allocating funds to Fixed Deposits instead of debt mutual funds. Debt funds offer potentially higher returns and tax efficiency compared to FDs. Evaluate your risk appetite and liquidity needs to determine the optimal allocation between fixed income instruments.

Public Provident Fund (PPF) Contributions
PPF contributions provide tax benefits and long-term wealth accumulation. Evaluate whether the current allocation aligns with your overall asset allocation strategy and consider maximizing contributions to leverage the tax advantages and potential compounding benefits.

Additional NPS Contributions for Tax Saving
Contributing 50,000 annually to NPS for tax savings is beneficial, but ensure it aligns with your retirement goals and risk profile. Evaluate the impact of additional NPS contributions on your overall portfolio diversification and consider alternative tax-saving options if necessary.

Risk Management and Insurance
Your term life insurance coverage provides financial protection for your family. Consider reviewing your insurance needs periodically to ensure adequate coverage based on your evolving financial situation and responsibilities.

Real Estate Investment Consideration
While real estate can be a valuable asset class, your past negative experience warrants caution. Evaluate alternative investment avenues that offer diversification, liquidity, and potential returns aligned with your risk tolerance and long-term goals.

Seeking Professional Guidance
Consider consulting with a Certified Financial Planner (CFP) to conduct a comprehensive review of your investment strategy. A CFP can provide personalized recommendations, optimize your portfolio, and align your investments with your financial objectives and risk tolerance.

Conclusion
By regularly reviewing and optimizing your investment strategy, you can enhance the probability of achieving your financial goals over the next 13 years. Stay disciplined in your savings and investment approach, and seek professional guidance to navigate market dynamics and optimize portfolio performance.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

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Ramalingam Kalirajan  |7014 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 14, 2024

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Dear Sir, I aman Army Veteran of 64 years snd wife aged 61. I have a monthly pension of Rs 1,8lakh pm. I have following investments. FDs 1.2 Cr @ 8pc SCSS 30 lakh @7.8pc Gold ETF 6 lakh PPF Rs 22 lakh. Rs12500 pm. Maturing in Mar 28. Equity Rs 1.5 cr. Investment through self study. MF HDFC multy cap Rs 29 lakh. Monthly contribution Rs 10K. MIRAE ASSETS Emerging Blue Chip Rs 23 Lakh. Monthly contribution Rs 12500 pm ICICI Pru bluechip Pru blue chip Rs 33 lakh. Monthly contribution Rs 50K Bandhan Multi Cap Rs 23 lakh. Monthly contribution Rs 15K. Frankin Temp Rs 1.2 lakh. No monthly contribution All MF direct schemes. I have a house to live. Choldren Son 34 married and settled. Daughter 28. Working good package. Responsibilty. Only daughter marriage House Hold expenditure Rs 50K. Covere for medical by ECHS. I have only one goal to leave a corpus of Rs20Cr or more for my children in the next 15 years. Please advise any changes in the investment. Thank you Jasbir Singh
Ans: Dear Mr. Jasbir Singh,

First, I must commend you for your disciplined approach to financial planning and your desire to secure a substantial corpus for your children. At 64 years old, with a stable pension of Rs. 1.8 lakh per month and various well-placed investments, you are in a strong financial position. Your investments are diversified across fixed deposits (FDs), Senior Citizens' Savings Scheme (SCSS), gold ETFs, Public Provident Fund (PPF), equities, and mutual funds.

Your primary goal is to leave a corpus of Rs. 20 crore or more for your children in the next 15 years. With your current financial standing, you have laid a solid foundation to achieve this.

Evaluating Your Existing Portfolio
1. Fixed Deposits (FDs)

You have Rs. 1.2 crore in FDs earning 8% interest. This provides stable, risk-free returns and liquidity, which is essential for your age. However, FDs generally offer lower returns compared to other investment options. Given your long-term horizon, consider the opportunity cost of keeping a large portion of your portfolio in FDs.
2. Senior Citizens’ Savings Scheme (SCSS)

SCSS is a safe investment with a reasonable interest rate of 7.8%, offering quarterly interest payouts. This is a good option for generating regular income, especially given the tax benefits. Keep this investment as it aligns with your risk profile and cash flow needs.
3. Gold ETFs

You have Rs. 6 lakh in gold ETFs, which provide a hedge against inflation and economic uncertainties. This is a good long-term investment, but the returns are generally moderate. Since your portfolio is diversified, maintaining this small allocation to gold is beneficial.
4. Public Provident Fund (PPF)

Your PPF investment of Rs. 22 lakh, with a monthly contribution of Rs. 12,500, will mature in March 2028. PPF is a safe and tax-efficient investment, and you should continue it as part of your retirement planning. Given the current interest rates, PPF offers attractive long-term returns.
5. Equities

You have Rs. 1.5 crore in equities, which you manage through self-study. Equities are vital for long-term growth, and your involvement shows that you are well-versed in market dynamics. However, regular portfolio review and rebalancing are crucial to mitigate risks.
6. Mutual Funds

Your mutual fund portfolio is diversified across different funds, with a significant investment in large-cap and multi-cap funds. The monthly SIP contributions demonstrate a disciplined investment approach.
Suggested Adjustments to Achieve Your Goal
1. Rebalance Your Portfolio

Increase Equity Exposure: Considering your long-term goal of Rs. 20 crore, increasing your equity exposure could enhance your portfolio’s growth potential. You might consider reallocating some funds from FDs to equities or equity mutual funds, as they typically offer higher returns over the long term.

Diversify Equity Investments: While you have a strong base in large-cap and multi-cap funds, consider adding mid-cap and small-cap funds for potentially higher returns, though they come with increased risk.

Monitor and Rebalance Regularly: Review your portfolio at least annually to ensure it remains aligned with your goals. Adjust your asset allocation based on market conditions and your risk tolerance.

2. Optimize Your Tax Efficiency

Maximize Tax Benefits: Continue maximizing tax-saving opportunities through your PPF and SCSS investments. Consider tax-efficient mutual funds under the long-term capital gains tax regime, especially for equity investments held for over a year.

Minimize Tax Liabilities: Given your high pension, you might be in a higher tax bracket. Efficient tax planning, including timing the sale of investments to optimize tax impact, is crucial.

3. Estate Planning and Wealth Transfer

Create a Will: Ensure you have a clear and legally sound will in place to avoid any legal complications for your heirs. Specify how your assets should be distributed among your children.

Trust Planning: Consider setting up a trust if you want to manage the distribution of your wealth after your demise. This can provide more control over how and when your children receive the inheritance.

Nomination and Documentation: Ensure that all your investments have proper nominations. Keep your financial documents and information organized and accessible to your family.

4. Increase SIP Contributions

Gradually Increase SIPs: As your pension and existing investments provide stability, consider gradually increasing your SIP contributions. This will help you take advantage of the power of compounding over the next 15 years.

Focus on Growth-Oriented Funds: Since you are aiming for a Rs. 20 crore corpus, growth-oriented mutual funds with a good track record should be your focus. Regularly review the performance of your current SIPs and adjust if necessary.

5. Review Your Risk Tolerance

Risk Assessment: As you age, your risk tolerance may decrease. Periodically assess your risk tolerance and adjust your equity exposure accordingly. A balanced approach that considers both growth and preservation of capital is essential.

Health Coverage: Although you are covered by ECHS, consider having additional health insurance to cover any unexpected medical expenses not covered under ECHS. This will protect your corpus from being depleted due to medical emergencies.

Final Insights
You are in a commendable financial position with a clear vision for your family's future. By making strategic adjustments to your portfolio, optimizing tax efficiency, and ensuring proper estate planning, you are well on your way to achieving your goal of leaving a substantial corpus for your children.

Keep in mind the importance of regular portfolio reviews and adjustments. The financial landscape can change, and staying informed will help you navigate your investment journey successfully.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7014 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 27, 2024

Asked by Anonymous - Aug 25, 2024Hindi
Money
Dear Sir, Please review below investment plan and kindly advice whether any amendments is required. I am 43yr old having 2 kids at the age of 12 & 2.5 years old. Technically looking for comfortable retirement and well established kids education. 5K each in Nippon, SBI, Quant small cap, 5K each in Kotak Emerging equity and Motilal oswal Mid cap , 5K JM Fkexi cap, 1.5K Paragh parik and 5K Quant large and mid cap funds. Plan to invest next 15years. What kind of corpus will I have at end of the tenure. Thanks in advance.
Ans: You plan to invest for the next 15 years, focusing on a comfortable retirement and securing your children's education. Your current age, 43, allows for a long investment horizon, making equity funds an appropriate choice. This horizon will also cover the education and marriage expenses of your children. It's crucial to have a diversified portfolio that aligns with your risk appetite and goals.

Portfolio Composition
You are investing Rs 5,000 each in small-cap funds, mid-cap funds, and large & mid-cap funds.
Additionally, you are putting Rs 1,500 in a flexi-cap fund.
Your total monthly investment is Rs 31,500.
Diversification: Your portfolio is well-diversified across market caps. You are spreading your investments across small, mid, and large-cap funds, which can help balance risk and return. However, you have a significant allocation to small and mid-cap funds. These funds can be volatile but offer high growth potential. It’s good that you are investing for the long term, as this allows time to ride out market volatility.

Fund Allocation Strategy
Small-Cap and Mid-Cap Funds: These are high-risk, high-reward investments. Given the long investment horizon, they can significantly contribute to the overall portfolio growth. However, these funds are prone to higher volatility and market downturns. It’s advisable to periodically review these investments to ensure they align with your risk tolerance.
Large and Mid-Cap Funds: These funds provide a balance between growth and stability. Large-cap stocks offer more stability, while mid-caps provide growth potential. This allocation adds a layer of stability to your portfolio, which is essential as you near retirement.
Flexi-Cap Fund: This fund offers flexibility by investing across market caps. It’s a good choice for diversification. It can adapt to market conditions and has the potential to perform well in varying market scenarios.
Balanced Allocation: While your current allocation is growth-oriented, consider balancing it with a mix of debt or hybrid funds as you approach retirement. This will protect your capital and provide a steady income.
Risk and Return Analysis
Your portfolio is inclined towards high-growth funds, which is suitable for your long investment horizon. However, the risk is also on the higher side due to the significant allocation to small and mid-cap funds. The potential returns from these funds can be substantial, but they can also be volatile, especially in the short to medium term. It is important to have a strategy in place to gradually shift towards more conservative investments as you approach retirement.

Future Corpus Estimation
While it is challenging to predict the exact corpus, a well-diversified equity portfolio can potentially deliver a CAGR (Compound Annual Growth Rate) of around 10-12%. Over 15 years, this could lead to a significant corpus, given consistent monthly investments and market performance. Regularly reviewing and rebalancing your portfolio will be crucial in achieving your goals.

Children's Education Planning
Education Fund: As your children are currently 12 and 2.5 years old, their higher education expenses will occur in around 6-8 years and 15 years, respectively. The current portfolio should be aligned with these timelines. For the elder child, consider gradually moving some of the investment into safer debt or hybrid funds as the education goal approaches. For the younger child, your current equity-heavy portfolio is appropriate, given the longer time horizon.
SIP Top-up: Consider increasing your SIP amount periodically as your income increases. This will help in accumulating a larger corpus, especially to meet the rising education costs.
Retirement Planning
Retirement Corpus: A significant portion of your portfolio is aimed at growth, which is suitable given your 15-year horizon. However, as you get closer to retirement, it’s important to reduce exposure to high-risk funds and increase allocation to debt funds or other conservative investment options. This will help in preserving your capital and ensuring a steady income post-retirement.
Systematic Withdrawal Plan (SWP): As you approach retirement, consider setting up an SWP in conservative funds to generate regular income. This will ensure you have a steady cash flow without the need to dip into your principal amount.
Monitoring and Rebalancing
Periodic Review: It’s important to review your portfolio at least once a year. This will allow you to assess performance, make necessary adjustments, and ensure that your investments are aligned with your changing goals and risk appetite.
Rebalancing: Over time, the market may cause your asset allocation to drift from its intended targets. Rebalancing helps in maintaining the desired level of risk and return in your portfolio.
Insurance and Contingency Planning
Life Insurance: Ensure that you have adequate life insurance coverage to protect your family's financial future in case of any unforeseen events. Term insurance is a cost-effective way to secure a large sum assured.
Health Insurance: With growing medical expenses, it's crucial to have comprehensive health insurance for the entire family. This will prevent any large medical bills from derailing your investment plans.
Emergency Fund: Maintain an emergency fund that covers at least 6-12 months of your household expenses. This fund should be kept in a liquid and safe investment option, such as a savings account or a liquid fund, to be accessed easily in case of emergencies.
Final Insights
Continue SIPs: Your systematic investment plan (SIP) approach is commendable and disciplined. Continue with your SIPs to benefit from rupee cost averaging and compounding over time.
Gradual Shift: As you approach your financial goals, gradually shift a portion of your investments to safer assets. This will help in protecting your corpus and ensuring that your financial goals are met without much risk.
Top-up SIPs: Regularly increase your SIP amounts as your income grows. This will help in building a larger corpus over time.
Regular Reviews: Keep an eye on your portfolio and make adjustments as needed. Regular reviews will ensure that your investments stay aligned with your goals.
By following this strategy, you can work towards a secure retirement and ensure that your children's education is well-funded.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Refusing for a kiss isn't as concerning as her saying she will have feelings for you. Not everyone is ready for intimacy at the same time in all their relationships. As I mentioned earlier, there can be several reasons for this behavior. Please have an open conversation with her. Let her know that her behavior is bothering you and you want some clarity. If she still continues to say the same thing, you have the option to rethink the relationship.

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Dating, Relationships Expert - Answered on Nov 13, 2024

Asked by Anonymous - Nov 07, 2024Hindi
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I am 28, will be engaged in 3-4 months. It's an arranged marriage. I have met the girl one time, that too she was accompanied with her parents as her family is very conservative. We spoke privately for about half an hour. I know it's still not enough but I was able to have a good conversation. She was nervous at first but I made her feel comfortable and it was then time well spent. She is a sweet girl, even my maa papa like this girl but on the other hand, I am also getting worried as the days are coming near. Sometimes I feel like postponing the event. Is this normal? I also fear of things that happens in nowadays like getting divorce, extra marital affairs, alimony etc. What if she finds a better partner after marriage? Will she leave me? Due to this I cannot have proper sleep recently. Any suggestions to calm my nerves?
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I suggest speaking to your would-be partner a little more in the meantime. Getting to know her will put these doubts to rest. I'm sure she is equally concerned about what kind of person you are. Moreover, it is always a good idea to get to know each other better before committing for a lifetime. And, in case, you still think you need to postpone the event, do not shy away from doing so. It is better to take some time and make the right decision than to make a wrong decision in a hurry.

Hope this helps.
Best Wishes.

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Asked by Anonymous - Sep 15, 2024Hindi
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Hi sir , Iam male 27 years planning to reduce my current weight of 86KG hence planning to hit the gym. Iam concerned of abdominal fat. I left gym 3 yrs back when my weight was average 69kgs. However due to no physical activity weight increased. Now iam planning for reducing weight and also improve my strength with good muscular lean body not bulk. Please guide me sir thanks
Ans: It’s wonderful that you’re enthusiastic about getting back into the gym to work towards weight loss and a lean, toned physique! As a physiotherapist, I suggest scheduling regular check-ins with a physiotherapist to monitor your progress and make any necessary adjustments to your exercise routine. To effectively lose fat, particularly around the abdomen, while building muscle, try a balanced approach that incorporates both cardio and strength training. Start with 20-30 minutes of moderate-intensity cardio—like brisk walking, cycling, or jogging—three to five times per week to increase calorie burn. For strength training, focus on compound exercises such as squats, lunges, push-ups, and rows, with three sessions per week. Begin with lighter weights, increasing gradually as your strength builds, and focus on good form to develop lean muscle without bulk.

Including core exercises, like planks, Russian twists, and leg raises, will help to strengthen and tone your abdominal muscles; however, remember that fat loss from specific areas requires overall body fat reduction. A high-protein, balanced diet will be crucial for supporting muscle growth and managing hunger, so aim to reduce processed foods and sugars. Consistency is essential—maintain a regular exercise schedule, and ensure you have rest days for recovery. With dedication, you’ll see steady improvements over time. Best of luck, and don’t hesitate to reach out if you need further guidance!

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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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