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Ramalingam

Ramalingam Kalirajan  |9668 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 24, 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
Krishna Question by Krishna on Jul 22, 2024Hindi
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Dear Sir, Thanks for your response. I have currently 9cr valued assets for retirement. How to make my asset grow to 10 Cr in the next 8 years. I am planning to retire with an asset of 10 Cr. Thanks for your advice in advance. Regards, Krishna Prasad

Ans: To grow your assets to Rs. 10 crore in the next 8 years, consider these strategies:

9 Crore Asset can easily become 10 crores in 8 years.

Increase SIP Contributions: Allocate more to diversified mutual funds for higher returns.
Regular Portfolio Review: Adjust based on performance and market conditions.

Professional Guidance: Consult a Certified Financial Planner (CFP) for tailored advice.

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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Ramalingam

Ramalingam Kalirajan  |9668 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 16, 2024

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I am 48 and have equity portfolio of about 20 Lakhs, How can I turn this 20 Lakhs into 1.5 cr in next 7 to 8 years ???
Ans: Building Wealth: Turning 20 Lakhs into 1.5 Crores in 7 to 8 Years
Hello! It's great that you're looking to grow your wealth over the next few years. Let's explore strategies to help you achieve your ambitious financial goal.

Setting Realistic Expectations
Timeframe: Achieving a significant growth from 20 Lakhs to 1.5 Crores in 7 to 8 years requires a proactive and disciplined approach.
Risk Tolerance: Consider your risk tolerance and be prepared for potential fluctuations in the market along the way.
Investment Strategies
Diversification: Consider diversifying your equity portfolio across different sectors and asset classes to mitigate risk and optimize returns.
Long-Term Investing: Focus on long-term investment opportunities with strong growth potential rather than short-term speculation.
Regular Investing: Commit to investing a portion of your savings regularly, taking advantage of rupee cost averaging to smooth out market volatility.
Quality Stocks: Invest in fundamentally strong companies with proven track records, sustainable business models, and growth prospects.
Active Portfolio Management
Regular Monitoring: Stay informed about market trends and economic developments, regularly reviewing your portfolio's performance and making adjustments as needed.
Profit Booking: Consider periodically booking profits on successful investments while also identifying new opportunities for growth.
Tax Planning: Optimize your tax strategy by taking advantage of tax-saving investment options such as Equity Linked Savings Schemes (ELSS) and long-term capital gains tax benefits.
Leveraging Financial Instruments
Systematic Investment Plans (SIPs): Consider investing in SIPs of mutual funds with a proven track record of delivering consistent returns over the long term.
Equity Mutual Funds: Explore investing in actively managed equity mutual funds that align with your investment goals and risk tolerance.
Direct Stock Investing: If you have the expertise and time, consider investing directly in stocks of high-growth companies, but be mindful of the associated risks.
Seeking Professional Advice
Certified Financial Planner (CFP): Consult with a CFP to develop a customized financial plan tailored to your goals, risk tolerance, and investment horizon.
Financial Education: Continuously educate yourself about investment strategies, market dynamics, and financial planning principles to make informed decisions.
Conclusion
Turning 20 Lakhs into 1.5 Crores in 7 to 8 years is an ambitious but achievable goal with the right investment strategy, discipline, and commitment. By adopting a diversified portfolio approach, actively managing your investments, and seeking professional guidance, you can work towards building substantial wealth over the long term.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9668 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 18, 2024

Asked by Anonymous - May 13, 2024Hindi
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Hi I am 45 years old and have a sum of 60 lakhs in FD..35 lakhs medical coverage ..20 lakhs mutual funds and 12 lakhs stock portfolios..I invest 50k a month..how can I grow my total portfolio to 3 crores in next 10 years ?thanks and regards
Ans: Building a Portfolio to Achieve Your Financial Goals
You have a substantial base to build on, with Rs. 60 lakhs in FDs, Rs. 35 lakhs in medical coverage, Rs. 20 lakhs in mutual funds, and Rs. 12 lakhs in stocks. Additionally, you invest Rs. 50,000 monthly. Let's discuss a strategy to grow your portfolio to Rs. 3 crores in the next 10 years.

Understanding Your Current Portfolio
Fixed Deposits (FDs)
Fixed deposits provide safety but offer lower returns compared to other investment options. Given inflation, the real return on FDs can be quite low.

Medical Coverage
Having Rs. 35 lakhs in medical coverage is crucial for financial security. This ensures that your investments remain protected in case of medical emergencies.

Mutual Funds
Your Rs. 20 lakhs in mutual funds are a solid foundation. Depending on the type of funds, they can offer growth potential while diversifying risk.

Stock Portfolio
With Rs. 12 lakhs in stocks, you have exposure to equity markets. This can provide higher returns but comes with higher volatility.

Monthly Investment of Rs. 50,000
Investing Rs. 50,000 per month consistently can significantly boost your portfolio. The power of compounding can help in achieving your financial goals over time.

Investment Strategy to Achieve Rs. 3 Crores
Diversify Your Mutual Fund Investments
Investing in a mix of equity, debt, and hybrid funds can provide a balanced portfolio. Equity funds offer higher returns, while debt funds provide stability. Hybrid funds combine both to balance risk and return.

Increase Equity Exposure
Given your 10-year horizon, increasing your exposure to equity can help achieve higher returns. Consider investing in large-cap, mid-cap, and small-cap funds for diversification. Equity has historically provided higher returns over the long term.

Systematic Investment Plan (SIP)
Continue your SIPs in mutual funds. SIPs help in averaging the purchase cost and reduce market volatility impact. Allocate a portion of your monthly investment to SIPs in equity mutual funds for growth.

Rebalance Your FD Holdings
Fixed deposits provide safety but lower returns. Consider gradually reducing your FD holdings and reallocating to higher-yield investments like mutual funds and stocks. Ensure you maintain an emergency fund equivalent to 6-12 months of expenses in FDs or liquid funds.

Enhance Your Stock Portfolio
If you have the risk tolerance, consider enhancing your stock portfolio. Invest in fundamentally strong companies with growth potential. Diversify across sectors to reduce risk.

Consider Debt Funds for Stability
Investing in debt funds can provide stability and regular income. Debt funds offer better post-tax returns compared to FDs, especially if you are in a higher tax bracket.

Projecting Your Portfolio Growth
Estimated Growth Rates
Equity Mutual Funds: 12-15% annual returns
Debt Mutual Funds: 6-8% annual returns
Stocks: 12-15% annual returns
Expected Portfolio Value
Assuming a diversified portfolio and an average annual return of around 10-12%, your investments can grow significantly over 10 years. Consistent monthly investments and strategic reallocation will help achieve your goal.

Regular Review and Rebalancing
Importance of Regular Review
Regularly reviewing your portfolio ensures it stays aligned with your goals and risk tolerance. It helps in making necessary adjustments based on market conditions and life changes.

How to Review
Work with a Certified Financial Planner (CFP) to review your investments at least annually. A CFP can provide professional guidance and ensure your portfolio remains on track.

Conclusion
Achieving a portfolio value of Rs. 3 crores in 10 years is possible with strategic investments and regular reviews. Diversify your mutual funds, increase equity exposure, continue SIPs, and rebalance your FDs. With disciplined investing and professional guidance, you can reach your financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9668 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 2024

Asked by Anonymous - Jul 16, 2024Hindi
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Dear Sir I am 47 year old and planning to retire by 55.i have sips in MF for 1.5 lacs and my current portfolio is 75 lacs.started investments in sip from year 2021 and hoping to continue till 55 with at least 10% stepup.In addition , i have an FD of 1.4 crores and employee gratuity of 1 crores which will be received at retirement.i have 2 real estate properties an apartment and a small home where my parents are staying presently.what action can be done futher to make my investments 10cr at the age of 55. Thank you Regards Kumar
Ans: You are 47 and planning to retire at 55. Your SIPs total Rs 1.5 lakhs monthly, with a current portfolio of Rs 75 lakhs. You also have an FD of Rs 1.4 crores and will receive Rs 1 crore in employee gratuity at retirement. You own two real estate properties.

Goal Evaluation

Your target is to have Rs 10 crores by age 55. With a structured investment plan, this goal can be achieved.

Investment Strategy Analysis

Your monthly SIPs with a 10% step-up are commendable. The current portfolio shows good growth potential. However, to meet the Rs 10 crore goal, further optimization is needed.

Disadvantages of Direct Funds

Direct funds require constant attention and expertise. Regular funds managed by a Certified Financial Planner (CFP) can provide professional advice and better returns. This ensures your investments are well-aligned with your financial goals.

Recommendations

Increase SIPs Gradually: Continue with your SIPs and increase them by at least 10% yearly.

Professional Management: Invest through regular funds managed by a CFP. This offers better portfolio management and aligns with your goals.

Diversify Portfolio: Ensure a mix of large-cap, mid-cap, and balanced funds. This diversification reduces risk and maximizes returns.

Review and Rebalance: Regularly review and rebalance your portfolio with the help of a CFP. This keeps your investments on track to meet your goal.

Final Insights

Your goal to reach Rs 10 crores by 55 is achievable with disciplined investing. Gradually increase your SIPs, diversify your portfolio, and seek professional management. Regular reviews and adjustments will help you stay on track.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9668 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 26, 2025

Asked by Anonymous - Jun 26, 2025Hindi
Money
Hello Sir, I am 31 years old. My takehome salary is 1.4 lakh per month. I have 2 outstanding loan - 7.5 lakh (car loan) will end in next 3 years and 1.2 lakh personal loan will end in next 1 year. My investment are 3.5 lakh in MF SIP, 1.5 lakh in PPF, 5 lakh in EPF, 60K in NPS, 1.4 lakh in stocks and a RD of 7000 per month. Have family and personal health cover with topup plan covering around 40 lakh for parents and spouse. Monthly expenses stands at 50000. How can I build a capital wealth of 2 Cr or more in next 10 years.
Ans: You are 31 years old, take home salary is Rs.1.4 lakh per month.

Loans outstanding:

Car loan Rs.7.5 lakh ending in 3 years

Personal loan Rs.1.2 lakh ending in 1 year

Investments:

Rs.3.5 lakh in mutual fund SIPs

Rs.1.5 lakh in PPF

Rs.5 lakh in EPF

Rs.60,000 in NPS

Rs.1.4 lakh in stocks

RD of Rs.7,000 per month

Health cover: family and personal with top?up of Rs.40 lakh

Monthly expenses are Rs.50,000

This is a strong foundation. Portfolio shows variety. Insurance cover is good. You have clear loan timeline.

Wealth Goal
Aim: build capital of Rs.2 crore or more in next 10 years

Monthly savings and disciplined investing will be key

Target required corpus is realistic given your income and time

Gap and Resource Analysis
Current liquid investments total:

MFs: Rs.3.5 lakh

PPF: Rs.1.5 lakh

EPF: Rs.5 lakh

NPS: Rs.60,000

Stocks: Rs.1.4 lakh

RD: grows monthly

Total ~Rs.12 lakh plus monthly additions

Loan EMIs reduce investible surplus

Monthly surplus after expenses and EMIs is your growth engine

Need to calculate required monthly investment to reach goal

Loan Strategy
Personal loan ends in 1 year.

Once it ends, free up that EMI amount.

Car loan ends in 3 years.

After 3 years, that EMI also frees up

Use freed-up cash flow to invest actively

Cashflow Management
Salary: Rs.1.4 lakh

Expenses: Rs.50,000

Loans EMI need detail but assume moderate

Surplus should be channelled into investments

Manage flow to ensure savings before expenses. Automate investments early in month.

Investment Strategy Overview
Use actively managed mutual funds for growth

Avoid index funds; they lack active risk control

Index funds offer only market returns

Active funds can adapt to changing conditions

For direct vs regular plans:

Direct plans lack personalised guidance

No balance tracking, potential timing mistakes

Regular funds via MFD with CFP enable advice and reviews

No annuities recommended due to lack of flexibility

Suggested Portfolio Mix
Equity mutual funds (actively managed): ~65% initially

Debt instruments (PPF, EPF, RDs, debt funds): ~25%

Stocks and NPS: ~10%

Gradually shift equity to debt as retirement nears

Rebalance yearly to maintain desired split

Step?by?Step Plan
1. Prepay Personal Loan
Clears in 1 year

Use any bonus or extra to accelerate

Freeing up funds boosts investments

2. Increase SIPs After Loan Ends
Once loan ends, add EMI amount to SIP

Continue for car loan similarly

3. Automate Investments
Setup SIPs and RD early

Ensure all surplus is invested monthly

4. Choose Active Funds with CFP Insight
Pick diversified large?cap, mid?cap, flexi?cap active funds

Regularly re-evaluate performance

Avoid index plans due to limited management flexibility

5. Continue RD and PPF, EPF, NPS
These provide stability and tax benefit

Keep contributing to PPF and EPF annually

NPS gives retirement aligned returns

6. Stock Investments
Keep small exposure (Rs.1.4 lakh)

Avoid high concentration or speculative picks

Invest only what you are comfortable losing

Insurance and Risk Planning
You already have good health cover including parents

Ensure your term insurance covers liabilities & family needs

Use separate term insurance, not ULIPs or insurance?cum?investment

Emergency fund equal to 6 months’ expenses is essential

Progress Tracking and Review
Review portfolio annually with your CFP

Rebalance asset split yearly

Adjust SIP amounts with salary growth

Monitor performance against equities, debt benchmarks

Discipline & Behavioural Insights
Do not shift investments due to market swings

Stick to long?term vision

Use CFP advice when markets turn volatile

Regular investments reward through compounding

Tax Efficiency
Use tax benefits on PPF, EPF, NPS and ELSS-like active funds

Redeem RD partially to avoid tax burden

Avoid frequent trading in stocks for tax reasons

Risk Assessment and Mitigation
Equity returns vary year?to?year

Debt instruments protect principal

Inflation erodes value, hence need equity growth

Insurance and emergency fund shield against shocks

Approximate Savings Timeline
First year: personal loan payoff, increase SIP

Year 3: car loan payoff, double SIP amounts

Years 4–10: SIP total higher, compounding works

By year 10, portfolio likely crosses Rs.2 crore

360?Degree Wealth Solution Summary
Area Action Plan
Income Save disciplined surplus monthly
Loans Prepay personal then car loan
Investments Active funds + debt + NPS + stocks
Plan Type Regular plans via MFD with CFP
Asset Allocation 65% equity / 35% debt, rebalance
Insurance Term + health cover adequate
Emergency 6-month expenses cash reserve
Review Annual CFP reviews and adjustments
Mindset Long-term focus, avoid impulsive changes
Tax Use tax-advantaged instruments

Final Insights
Your goal of Rs.2 crore in 10 years is feasible.

You have good income, investments, insurance.

Loan-free status will free funds for growth.

Active mutual funds guided by CFP will add value.

Discipline, review, rebalance and risk cover are key.

Avoid index funds, direct plans, annuities, real estate.

With focus, consistency, and CFP insight you can retire financially strong.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

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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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