Hi sir please review my portfolio My age is 34 years Investment horizon 15to 20 years Funds.. 1. Nippon india small cap -2k 2. Quant Small cap -2k 3. SBI small cap -1k 4. kotak Emerging Equity fund -2k 5. Parag parekh Flexi cap -1.5k Total -8.5k SIP

Ans: Dear Anonymous,
I understand that you are hurt and the complexities of the hearts might be difficult sometimes to grasp. The first reason for your sorrow, her past relationship, and the fact that she was physically intimate with them is not completely justifiable. Though I understand that you feel hurt because she did not disclose it to you, still it should not matter so much as to ruin your present relationship. And whether she will open up about such sensitive details is actually up to her. It has nothing to do with how much she loves you or trusts you. Please understand that.

Now coming to the next thing, the fact that she is still in touch with them and has even met one of them, that is slightly concerning. It would have been okay if she did that openly- please understand that I am not saying she should have asked for your permission, but rather discuss the same with you. Moreover, in a relationship, it is also important to understand how much your partner is comfortable with- goes for both men and women. If you are uncomfortable with her relationship with her exes, she should consider that. I would have said the same if the table was turned. I suggest you have a clear conversation with her and express how you feel about this situation- depending on how she reacts and how the conversation goes, you both can think about the next step.

Hope this helps.

Ans: Hi!!

This was my article in Rediff on world Youth Skills Day.... hope this helps !

https://www.rediff.com/getahead/report/world-youth-skills-day-5-skill-lessons-for-you/20240715.htm

All the best!!

Ans: Salary paid to driver and fuel expenses by employee, reimbursed by employer was never part of income. Said reimbursement was not an income if car is used purely for official purpose and car is owned by employee.

Ans: No change is proposed in Budget 2025 for cess and 44AD limits

Ans: For property sold after 23rd July 2024, TDS u/s 195 is revised from 20% to 12.5% plus applicable surcharge and cess which is near to 15%

Ans: No, rebate of 87A (upto 60000 of tax amount) is available only if your taxable income is upto 12 lacs

Ans: Hello Antin
Your nephew has too many different criteria. Domicile & caste certificates are usually issued by verifying the father's documents. Since his 12th is from CBSE gulf, we need to check in which division of CBSE it falls.
Else AIQ, deemed & Managment seats will be the only option.

In NEET Maharashtra counselling they want 10th & 12th from Maharashtra only then only they consider for state seats.
I have handled few cases where is parent kept students in boarding program for 10th in other state & then 12th from Maharashtra. they even have caste certificate & domicile made for the student, but they were not alotted state seats.

Ans: You have Rs. 80 lakh and need Rs. 50,000 monthly. Your goal is to withdraw steadily while growing your capital. A smart mix of debt and equity investments will help.

Split Your Investment for Stability and Growth
Keep Rs. 10 lakh in a Liquid Fund or FD

Acts as an emergency fund
Ensures liquidity for 1.5 years of expenses
Invest Rs. 30 lakh in Debt Mutual Funds

Provides stability and low volatility
Helps generate regular cash flow
Allocate Rs. 40 lakh in Balanced Equity Funds

Offers long-term growth
Helps beat inflation and preserve capital
Systematic Withdrawal Plan (SWP) Strategy
Withdraw Rs. 50,000 monthly from Debt Funds

Ensures steady income
Keeps equity investments untouched for growth
Rebalance Every Year

Shift equity profits to debt
Maintain the withdrawal strategy
Final Insights
This approach balances security and growth
Your corpus will last longer with this strategy
Review your plan annually for adjustments
Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

Ans: Yes you are eligible to appear for NEET