i am single age 45 i am investing 120000 in ppf 5000 in nps and my company pf my contribution is up 1,35000 , in mututal fund i invest 5000 per motnth, i donot have pension what should i do more to safe guard my old age expnes

Ans: Investment in Mutual fund will help you with a retirement plan and the withdrawal of a sum from mutual fund at a given interval is called SWP not Pension. Whereas withdrawal of money from NPS post retirement is possible through lumpsum and pension as well

Ans: Hi Renukadevi

Yes NPS is good for investing and tax saving both as per old regime. You can invest say 2 lacs in it and 6 lacs you must allocate to aggressive funds lime mid cap and small cap and index funds but in a systematic transfer plan method

Ans: Dear Santanu,

Looking at your age and investment horizon, before investing you have to understand the risk and the reward associated with the investment avenue. If your risk appetite is low and you are looking for complete safety over the period, you can opt for any debt fund which invests in government securities or high rated bonds such as AAA or you can invest in any top-rated dynamic bond fund.

However, if you are willing to take moderate risk for your investments you can also opt for any Hybrid fund category such as Balanced Advantage or Aggressive Hybrid funds - with increasing risk, the probability of getting higher returns increases.

If you are willing to take risk, I suggest you to start your monthly SIPs into any Index funds or flexi cap fund where you will get decent returns on your investments. As index funds works on the strategy that replicate the returns of the benchmark, investing in this fund is always a suggestable call. Flexi cap is the category where you get the exposure of all the three categories of equity market and get diversification within your investments.

Hence, I suggest you to evaluate your risk and do complete research before initiating the investments.

Disclaimer:
• I have just no idea about your age, future financial goals, your risk profile, other investments and whether you would have the nerves to not get unduly perturbed if stock markets go temporarily down.
• Hence, please note that I am answering your question in absolute isolation to other parameters which should definitely be considered when answering a question of this type.
• I recommend you to also consult a good financial advisor who would look at your complete profile in totality before you act on this advice given by me.

Ans: Hello, you can make a balanced portfolio of mutual funds of Rs.1cr
Assuming a ROI of 12% , you will get a swp of rs.50000 a month at 6%, maximum you should withdraw 7% as swp in emergency scenarios.
If loan is in the picture, your monthly expenses will not be covered adequately if you stay in a city like mumbai so I would suggest you to pay off the loan and have 80L in assets and enjoy 6% of it yearly.
You can select the following funds for your mutual fund portfolio
Small cap - 20%
Mid cap - 20%
Large and mid cap - 20%
Multicap - 20%
Equity hybrid - 20%

Please note that these suggestions are based on your stated goals and the information you provided. It is always a good idea to consult with a financial advisor in person to better understand your risk tolerance, time horizon, and specific financial goals.