Thanks for your reply ..if you can please answer second part of myy query is If i transfer equity shares to my wife as GIFT and when she sells the stocks i understand that clubbing will apply and it will be taxed in my name . Now when my wife reinvests this amount in equity [ full amount ] and sells it again now in this scenario will clubbing of income apply or will it now be taxed under her name..

Ans: Hello;

You may begin a monthly sip of 80 K into a combination of pure equity mutual funds and continue for 14 years.

At 50, your sip may yield you a corpus of around 3.5 Cr.

The PF corpus will grow over 14 years into a sum of around 1 Cr. No additional contributions are assumed, which may be deemed as surplus.

The gold holding if liquidated and invested in equity mutual funds as lumpsum will yield a corpus of around 0.5 Cr after 14 years.

If you do not wish to liquidate gold holdings then the monthly sip may be hiked to 90 K.

The gold holding will grow in value to around 0.25 Cr over 14 years and 90 K sip will yield corpus of 3.75 Cr+.

Considering both scenarios you achieve your target of 5 Cr in 14 years:

80 K sip-3.5 Cr in 14 years
Pf value-1.0 Cr in 14 years
Gold holdings converted to equity MF holdings: 0.5 Cr in 14 years
Grand Total -5.00 Cr

90 K sip- 3.75 Cr+ in 14 years
Pf Value- 1.00 Cr in 14 years
Gold Value- 0.25 Cr in 14 years
Grand Total -5.00 Cr+

Pure equity MF returns assumed at 12%, PF at 8% and Gold return at 7%.

Happy Investing;

Ans: Considering you are 6 weeks pregnant, its early pregnancy, usg reveals gestational sac
I would advise to repeat usg after one week because have need to wait till 7 weeks
Normally heart beats appear till 7 weeks of pregnancy

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