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31 Years Old Wife Contributing to NPS: Is it Enough for Retirement?

Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 26, 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 - Jun 19, 2024Hindi
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My wife is of 31 years age and currently depositing around 25k monthly in nps as part of her central government job. She will retire at the age of 65 so, can we depend entirely on this nps investment for our retirement? How much return we can expect during our retirement ?

Ans: Your wife is 31 years old and contributes Rs. 25,000 monthly to her NPS. She will retire at 65. Let’s evaluate if NPS alone can support your retirement.

Understanding NPS
Benefits of NPS
Tax Benefits: NPS contributions provide tax deductions.
Market-Linked Returns: NPS invests in equity and debt.
Low Cost: NPS has low fund management charges.
Expected Returns
Equity Allocation: Equity in NPS can offer 10-12% returns.
Debt Allocation: Debt allocation may yield 6-8%.
Overall Returns: Expect 8-10% returns annually.
Projected NPS Corpus
Accumulation Phase
Regular Contributions: Rs. 25,000 monthly until retirement.
Compounded Growth: Funds grow due to compounding.
Estimation: Use conservative growth rate for projections.
Retirement Income
Annuity Purchase
Mandatory Annuity: 40% of NPS corpus goes into an annuity.
Regular Pension: Annuity provides a monthly pension.
Lump Sum Withdrawal
60% Withdrawal: The remaining 60% can be withdrawn.
Tax-Free: This withdrawal is tax-free.
Diversification Strategy
Beyond NPS
PPF: Continue contributions for safe returns.
EPF: Maintain EPF for steady growth.
Mutual Funds: Diversify with equity and debt funds.
Insurance: Ensure adequate health and life coverage.
Expected Retirement Needs
Income Requirements
Inflation Adjustment: Account for rising costs.
Healthcare: Allocate funds for medical expenses.
Lifestyle: Maintain a comfortable lifestyle post-retirement.
Calculating Retirement Corpus
Corpus Size
Monthly Needs: Rs. 50,000 per month post-retirement.
Inflation-Adjusted: Needs will increase with inflation.
Life Expectancy: Plan for 20-25 years post-retirement.
Income Sources
NPS Pension: Regular income from the annuity.
Lump Sum: Withdrawn amount can be invested.
Other Investments: Income from PPF, EPF, and mutual funds.
Final Insights
NPS Alone: NPS is good but not sufficient alone.
Diversify: Invest in PPF, EPF, and mutual funds.
Plan for Inflation: Ensure corpus adjusts for inflation.
Regular Review: Monitor and adjust investments.
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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Moneywize

Moneywize   | Answer  |Ask -

Financial Planner - Answered on May 07, 2024

Asked by Anonymous - May 06, 2024Hindi
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Can I invest Rs 40,000 per month in the National Pension Scheme? What kind of returns can I expect from the NPS in 10 years?
Ans: Yes, you can invest Rs 40,000 per month in the National Pension Scheme (NPS). There is no maximum limit on the monthly contributions to NPS.

Important to note about NPS returns:

• NPS returns are market-linked and depend on the chosen investment scheme. The NPS offers various investment options like Equity (E), Corporate Debt (C), Government Bonds (G), Alternative Investment Funds (A). Equity (E) scheme typically has higher returns than other schemes (C, G) but also comes with higher risk.
• It is difficult to predict the exact returns you will get in 10 years as the market is volatile.

Here's an example to give you an idea

Let’s assume you choose an equity scheme with an average annual return of 10%.

• Total investment over 10 years = Rs 40000 per month * 12 months/year * 10 years = Rs 48,00,000
• Estimated returns in 10 years = Rs 48,00,000 * 10% = Rs 4,80,000

This is just an estimate, and actual returns may vary.

Here are some resources that can help you make an informed decision:

• NPS calculator: You can use an NPS calculator to get a more personalised estimate of your retirement corpus and pension amount. These calculators consider factors like your age, investment amount, investment scheme chosen, and expected rate of return.
• NPS investment options: You can find more information about the different NPS investment options on the PFRDA website (https://www.pfrda.org.in/)

Remember, NPS is a long-term investment for retirement planning. Investing early and regularly will help you build a substantial corpus for your retirement.

..Read more

Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 02, 2025

Money
Good morning I m 50 year old and my nps corpus upto today is 27 lakh and monthly deposit 23000 . I will retire on 60 . How much monthly pension I will get if I opted NPS.
Ans: You are 50 years old now. You have built a good NPS corpus of Rs 27 lakh.

You are adding Rs 23,000 monthly. You plan to retire at 60. That gives you 10 more years.

Your question is about how much pension you can expect from NPS. But let us go beyond the pension figure. Let us look at all options and risks.

Let us take a full 360-degree approach. That will help you take better control.

Growth of Your NPS Corpus by Retirement

Your present corpus is Rs 27 lakh. Monthly contribution is Rs 23,000.

You are disciplined. That is very good.

Assuming steady returns for the next 10 years, your final corpus may grow well.

A rough estimate may take your NPS to between Rs 1.35 crore and Rs 1.50 crore.

This is only an estimate. Final value depends on equity-debt split and market movement.

NPS Withdrawal Rules at Age 60

At age 60, you can take 60% of the corpus as lump sum.

Remaining 40% must be used to buy pension from NPS provider.

So, if you have Rs 1.50 crore corpus, Rs 90 lakh can be withdrawn.

Rs 60 lakh must be used to buy annuity.

Monthly Pension Depends on Annuity Type

Pension depends on which annuity option you choose.

Also depends on age, provider and current annuity rates.

Usually, annuity rates are between 5% to 6.5% for most people.

So, Rs 60 lakh may give Rs 25,000 to Rs 32,500 per month.

Pension is taxable. It will be added to your income and taxed as per your slab.

But There is a Catch with NPS Annuity

Annuity is compulsory for 40% portion in NPS.

You cannot escape that even if returns are low.

Returns from annuity are not inflation-adjusted.

If inflation is 6%, and annuity gives 6%, you are just breaking even.

That means purchasing power keeps falling over years.

In short, your real income from annuity becomes weaker each year.

Disadvantages of NPS-Based Annuity

Here are some issues you should be aware of:

No flexibility. Annuity is fixed. It cannot be changed once chosen.

Poor returns. Much lower than mutual fund withdrawal options.

Fully taxable. Entire pension amount is added to your income.

No inflation protection. Value of your monthly pension goes down with time.

No control over capital. You cannot access the lump sum again.

Limited choices. Few annuity providers and fixed structure.

Tax-Free Lump Sum Can Be Better Utilised

The 60% part you withdraw is tax-free. That is a very good thing.

You can use that for better planning. Mutual fund investments through regular route with Certified Financial Planner can give you more flexibility.

With proper planning, this amount can support your monthly needs for many years.

And unlike annuity, you have control over how you withdraw and invest.

How Mutual Fund Option Is Better Than Annuity

If you want to get monthly income, mutual funds can help you do that.

You can use SWP (Systematic Withdrawal Plan).

You can choose how much to withdraw every month.

You can increase or reduce withdrawal as needed.

Your balance corpus stays invested and keeps growing.

You can invest based on your risk level—conservative, balanced, or aggressive.

You can stop or change plans anytime. No such option in annuity.

Tax is paid only on gains, not full withdrawal.

Equity mutual funds have only 12.5% LTCG tax after Rs 1.25 lakh gain.

Debt mutual fund gains are taxed as per your slab. Still more flexible than annuity.

You can invest through regular plans with help from a CFP and get long-term handholding.

This helps to keep the capital growing, while withdrawing monthly income.

You Can Mix Both Approaches After Retirement

You don’t have to depend only on annuity.

You can plan like this:

Take 60% lump sum (tax-free). Invest it in mutual funds with SWP.

Get better income flexibility, tax efficiency, and capital appreciation.

From the 40% annuity, choose the minimum guaranteed monthly pension.

That gives a backup pension for essential expenses.

This gives dual benefit: safety from annuity and growth from mutual fund.

Better Control with Mutual Fund via Certified Financial Planner

If you go through regular plans with guidance of a CFP, you get personal attention.

Direct plans give no support. You will be alone in tracking and adjusting.

That increases mistakes. Most retirees are not comfortable doing this alone.

With a regular plan and a CFP, you get:

Portfolio review every year.

Tax planning help.

Rebalancing advice.

Switching between funds when needed.

Better exit strategy over 25+ years post-retirement.

At 60, Plan Based on Real Expenses

You should also think how much you will need per month at retirement.

Suppose your basic expense is Rs 50,000 now.

In 10 years, it may become Rs 1 lakh per month.

So, don’t assume current pension amount is enough.

Your plan must consider inflation.

Only mutual fund approach gives you inflation-adjusted income.

Have You Invested in LIC or ULIPs?

If you have LIC endowment plans or ULIP schemes, please review them.

These give poor returns and lock your money.

They mix insurance with investment. That’s never wise.

If you hold such policies, consider surrendering them.

Reinvest that amount in mutual funds with proper planning.

This improves your retirement strength.

Do You Have Emergency Corpus Separately?

Even after NPS maturity, don’t forget emergency fund.

Always keep 6 to 12 months of expenses separately.

It should be in liquid or ultra-short-term funds.

This helps to avoid breaking long-term investment.

Keep this buffer outside your NPS or pension plan.

What Happens to NPS Corpus If You Die?

If you die before age 60, your nominee gets full corpus.

No annuity is forced in that case.

They can withdraw fully. That is a good feature.

But after annuity starts, if you die, your nominee gets lesser amount.

So, if your spouse depends on your income, plan accordingly.

Choose annuity with spouse benefit or better use mutual funds.

Retirement Is 10 Years Away—Plan Now Itself

Many wait till 60 and then think. That’s a mistake.

You have 10 years. That is a blessing.

You can plan better now. Start SIPs in mutual funds alongside NPS.

Create your own retirement income engine.

Don’t depend only on NPS. Build personal retirement corpus too.

Have You Made a Will?

This is not related to pension. But very important.

Make a proper will. Mention nominee names for NPS, bank, mutual funds.

Also, create a joint holding in all investments if possible.

This ensures no legal fights for your family.

Finally

Your NPS pension will give around Rs 25,000 to Rs 32,500 per month.

But that is not inflation-proof.

It is taxable. And inflexible.

So, you must plan beyond NPS annuity.

Use your lump sum wisely. Invest with a Certified Financial Planner.

Get SWP from mutual funds. Adjust income as per inflation.

Build emergency fund. Avoid LIC/ULIP traps. Create a personal will.

Only a full strategy will give peace and safety in your golden years.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

..Read more

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Nayagam P

Nayagam P P  |10852 Answers  |Ask -

Career Counsellor - Answered on Dec 07, 2025

Career
Hello, I’m a student who recently joined the Integrated M.Sc Physics program at Amrita University. I’m aiming for a strong academic foundation and a clear career path. Could you please guide me on the following: How good is this course for research careers or higher studies (IISc, IITs, abroad)? What are the placement prospects after Integrated M.Sc Physics at Amrita? Does the program help in preparing for alternate options like UPSC, CDS/AFCAT, or technical roles? What skills (coding, research projects, certifications) should I start early to make the most of this degree?
Ans: Sree, Program Overview and Academic Foundation: Congratulations on joining the Integrated M.Sc Physics program at Amrita University. This five-year integrated program represents a rigorous pathway designed to equip you with advanced theoretical and experimental physics knowledge combined with cutting-edge scientific computing skills. The curriculum uniquely integrates a minor in Scientific Computing, which adds substantial computational capability to your profile—a critical advantage in today's research and professional landscape. The program incorporates comprehensive coursework spanning classical mechanics, electromagnetism, quantum mechanics, statistical physics, advanced laboratory work, and specialized topics in materials physics, optoelectronics, and computational methods, positioning you excellently for both research and professional careers.
Research Career Prospects: IISc, IITs, and Beyond: For research-oriented careers, the Integrated M.Sc Physics program at Amrita provides an exceptional foundation. Amrita's curriculum specifically aligns with GATE and UGC-NET examination syllabi, and the institution emphasizes early research engagement. The faculty at Amrita actively publish research in Scopus-indexed journals, with over 60 publications in international venues within the past five years, exposing you to active research environments.
To pursue research at premier institutions like IISc, you would typically follow the PhD pathway. IISc accepts M.Sc graduates through their Integrated PhD programs, and with your Amrita M.Sc, you're eligible to apply. You'll need to qualify the relevant entrance examinations, and your integrated program's emphasis on research fundamentals provides strong preparation. The final year of your Integrated M.Sc is intentionally structured to be nearly free of classroom commitments, enabling engagement with research projects at institutes like IISc, IITs, and National Labs. According to Amrita's data, over 80% of M.Sc Physics students secured internship offers from reputed institutions during academic year 2019-20, directly facilitating research career transitions.
Placement and Direct Employment Opportunities: Amrita University boasts a comprehensive placement ecosystem with strong corporate and government sector connections. According to NIRF placement data for the Amrita Integrated M.Sc program (5-year), the median salary in 2023-24 stood at ?7.2 LPA with approximately 57% placement rate. However, these figures reflect general placement trends; physics graduates often secure higher packages in specialized technical roles. Many graduates join software companies like Infosys (with early offers), Google, and PayPal, where their strong analytical and computational skills command competitive compensation packages ranging from ?8-15 LPA for entry-level positions.
The Department of Corporate and Industrial Relations at Amrita provides intensive three-semester life skills training covering linguistic competence, data interpretation, group discussions, and interview techniques. This structured placement support significantly enhances your employability in both government and private sectors.
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BARC (Bhabha Atomic Research Centre) actively recruits M.Sc Physics graduates as Scientific Officers and Research Fellows. Recruitment occurs through the BARC Online Test or GATE scores, with positions in nuclear science, radiation protection, and atomic research. BARC Summer Internship programs are available, offering ?5,000-?10,000 monthly stipends with opportunity for future scientist recruitment.
DRDO (Defense Research and Development Organization) recruits M.Sc Physics graduates through CEPTAM examinations or GATE scores for roles involving defense technology, weapon systems, and laser physics research. ISRO (Indian Space Research Organisation) regularly advertises scientist/engineer positions through competitive recruitment for candidates with strong physics backgrounds, offering opportunities in satellite technology and space science applications.
Other significant employers include the Indian Meteorological Department (IMD) recruiting as scientific officers, and NPCIL (Nuclear Power Corporation of India Limited), offering stable government service with competitive compensation packages exceeding ?8-12 LPA for scientists.
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CDS/AFCAT (Armed Forces): While AFCAT meteorology branches specifically require "B.Sc with Maths & Physics with 60% minimum marks," the technical branches (Aeronautical Engineering and Ground Duty Technical roles) require graduation/integrated postgraduation in Engineering/Technology. An M.Sc Physics integrates well with technical qualifications, though you would need engineering background for direct officer entry. However, you remain eligible for specialized technical interviews if applying through alternate defence channels.
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Private Sector Technical Roles
M.Sc Physics graduates are increasingly valued in data science, software engineering, and technical consulting. Companies actively recruit physics graduates for software development, where strong problem-solving and logical reasoning translate to competitive packages of ?10-20 LPA. Specialized domains including quantum computing development, financial modeling, and scientific computing offer premium compensation. Your minor in Scientific Computing makes you particularly attractive to technology companies requiring computational expertise.
International Opportunities and Higher Studies Abroad
An M.Sc from Amrita facilitates admission to PhD programs at international institutions. German universities offer tuition-free or low-fee MSc Physics programs (2 years) with scholarships like DAAD providing €850+ monthly stipends. US universities accept M.Sc graduates directly for PhD positions with full funding (tuition coverage + stipend). These pathways require GRE scores and strong Statement of Purpose articulating research interests. Research collaboration opportunities exist with Max Planck Institute (Germany) and CalTech Summer Research Program (USA), both welcoming Indian M.Sc students.
Essential Skills and Certifications to Develop Immediately: Programming Languages: Start learning Python immediately—it's universally used in research and industry. Dedicate 2-3 hours weekly to data analysis, scientific computing libraries (NumPy, SciPy, Pandas), and machine learning fundamentals. MATLAB is equally critical for physics applications, particularly numerical simulations and data visualization. Aim to complete MATLAB certification courses within your first year.
Research Tools: Learn Git/version control, LaTeX for scientific documentation, and data analysis frameworks. These skills are indispensable for publishing research papers and collaborating on projects.
Certifications Worth Pursuing: (1) MATLAB Certification (DIYguru or MathWorks official courses) (2) Python for Data Science (complete certificate programs from platforms like Coursera) (3) Machine Learning Fundamentals (for expanding technical versatility) & (4) Scientific Communication and Technical Writing (develop through departmental workshops)
Strategic Internship Planning: Leverage Amrita's research connections systematically. In your third year, apply to BARC Summer Internship, IISER Internships, TIFR Summer Fellowships, and IIT Internship programs (like IIT Kanpur SURGE). These expose you to frontier research while establishing connections for future PhD or scientist recruitment. Target 2-3 research internships across different specializations to develop versatility.

TO SUM UP, Your Integrated M.Sc Physics degree from Amrita positions you exceptionally well for competitive research careers at IISc/IITs, prestigious government scientist roles at BARC/DRDO/ISRO, and international PhD opportunities. The program's scientific computing emphasis differentiates you in the job market. Immediate priorities: (1) Master Python and MATLAB within the first two years; (2) Engage in research projects starting year 2-3; (3) Target internships at premiere research institutions; (4) Prepare GATE while completing your degree for maximum flexibility in recruitment; (5) Consider UGC-NET for long-term academic stability. Your career trajectory will ultimately depend on developing strong research fundamentals, demonstrating consistent excellence in specialization areas, and strategically selecting internship and research opportunities. The rigorous Amrita program combined with disciplined skill development positions you for exceptional career success across multiple sectors. Choose the most suitable option for you out of the various options available mentioned above. All the BEST for Your Prosperous Future!

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Asked on - Dec 07, 2025 | Answered on Dec 07, 2025
Thankyou
Ans: Welcome Sree.

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Ramalingam

Ramalingam Kalirajan  |10872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Dec 06, 2025

Asked by Anonymous - Dec 06, 2025Hindi
Money
Dear Sir/Ma'am, I need some guidance and advice for continuing my mutual fund investments. I am a 36 year old male, married, no kids yet and no debts/liabilities as such. I have couple of savings in PPF, NPS, Emergency funds and long term investing in direct stocks. I recently started below mentioned SIPs for long term to grow wealth. Request you to review the same and let me know if I should continue with the SIPs or need to rationalize. Kindly also advice on how to invest a lumpsum amount of around 6lacs. invesco small cap 2000 motilal oswal midcap 2700 parag parikh flexicap 3000 HDFC flexicap 3100 ICICI prudential largecap 3100 HDFC large and midcap 3100 HDFC gold etf FOF 2000 ICICI Pru equity and debt fund 3000 HDFC balanced advantage fund 3000 nippon india silver etf FOF 2000
Ans: You already built a solid foundation. Many investors delay planning. But you started early at 36. That gives you a strong advantage. You have no liabilities. You have long term thinking. You also have diversified savings like PPF, NPS, Emergency funds and direct stocks. That shows clarity and discipline. This approach builds wealth with less stress over time.

You also started systematic investments in equity funds. That is a positive step. Your selection covers multiple categories like large cap, mid cap, small cap, flexi cap, hybrid and precious metals. So the intent is right. You are trying to create a broad portfolio. That gives balance.

» Your Portfolio Composition Understanding
Your current SIP list includes:

Small cap

Mid cap

Flexi cap

Large cap

Large and mid cap

Hybrid category

Gold and Silver FoF

Equity and Debt allocation fund

Dynamic hybrid fund

This shows you are trying to cover many segments. But too many categories can create overlap. When there is overlap, you get confusion during review. It also makes portfolio discipline difficult. You may think you are diversified. But the holdings inside may repeat. That reduces efficiency.

Your portfolio now looks like:

Equity dominant

Hybrid for stability

Metals for hedge

So the broad direction is fine. But simplifying helps in long-term habit building.

» Fund Category Duplication
You hold:

Two flexi cap funds

One large and mid cap fund

One pure large cap fund

One mid cap fund

One small cap fund

Flexi cap funds already invest across large, mid, small. Then large and mid also overlaps. So the large cap exposure gets repeated. That may not add extra benefit. But it increases monitoring complexity.

So I suggest rationalising. Keep one fund per category in core. Keep satellite space for only high conviction.

» Core and Satellite Strategy
A structured portfolio follows core and satellite method.

Core portfolio should be:

Simple

Long term

Stable

Satellite portfolio can be:

High growth

Concentrated

Based on your thinking level, you can structure like this:

Core funds:

One large cap

One flexi cap

One hybrid equity and debt fund

One balanced advantage type fund

Satellite funds:

One mid cap

One small cap

One metal allocation if needed

This division gives clarity. You can continue SIPs with review every year. No need to stop and restart often. That reduces behavioural mistakes.

» Your Current SIP List Review with Suggested Streamlining

You can consider continuing:

One flexi cap

One large cap

One mid cap

One small cap

One balanced advantage

One equity and debt hybrid

You may reconsider keeping both flexi caps and both gold silver funds. One of each category is enough. Because too many funds do not increase returns. It complicates tracking.

Precious metal funds should not be more than 5 to 7 percent in your portfolio. This is because metals are hedge assets. They do not create compounding like equity. They act as protection during cycles. So keep them small.

» How to Use the Rs 6 Lakh Lump Sum
You asked about lump sum investing. This is important. Lump sum should not go fully into equity at one time. Markets move in cycles. So use a staggered method. You can invest the lump sum through STP (Systematic Transfer Plan). You can keep the amount in a liquid fund and set STP toward your chosen growth funds over 6 to 12 months.

This reduces timing risk. It also creates discipline. So your Rs 6 lakh can be deployed gradually. You may use 50% towards core equity funds and 30% toward satellite growth category. The remaining 20% can go into hybrid category. This gives balance and comfort.

» Regular Funds Over Direct Funds
One important point many investors miss. Direct funds look cheaper. But they demand deep knowledge, discipline, and behaviour control. Most investors lose more through emotional selling and wrong timing than they save on expense ratio.

With regular funds through a Mutual Fund Distributor with Certified Financial Planner qualification, you get guidance, structure and correction. The advisory discipline protects you during market extremes. That is more valuable than a small saving in expense ratio.

A personalised planner also tracks portfolio drift, rebalancing need and category shifts. So regular fund investing gives long-term benefit and behaviour coaching.

» Actively Managed Funds over Index or ETF
Some investors choose index funds or ETF thinking they are simple and cheap. But they ignore drawbacks.

Index funds or ETF will not avoid weak companies in the index. They will invest whether the company grows or struggles. There is no fund manager decision making. So when markets are at peak, index funds continue aggressive exposure. In downturns also they fall fully. There is no cushion.

Actively managed funds work with research teams. They can avoid bad sectors. They can shift allocation based on market and economy. Over long term, this gives better alpha and stability. So continuing with actively managed funds creates better wealth compounding.

» SIP Continuation Strategy
Once the rationalisation is done, continue SIPs every month without interruption. Pause and restart behaviour damages compounding power. SIP works best when you go through all market cycles. You benefit more during corrections because cost averaging works.

So continue SIP amount. You can also review SIP increase every year based on income. Increasing SIP by 10 to 15 percent every year helps you reach large corpus faster.

» Asset Allocation Based Approach
One key point in wealth creation is having the right asset mix. Equity gives growth. Hybrid gives balance. Metals give hedge. Debt gives safety. Your asset allocation should stay aligned to your risk profile and time horizon.

Since you are young and have long term horizon, higher equity allocation is fine. But as time moves, rebalancing is important. Rebalancing protects gains and restores allocation.

So review your asset allocation every year or during major life events like child birth, home buying or retirement planning.

» Behaviour Management
Many portfolios fail not due to bad funds. They fail due to bad decisions. Selling during correction. Stopping SIP when market falls. Chasing past return performance. These mistakes reduce wealth.

Your discipline so far is good. Continue to stay patient during volatility. Equity rewards patience and time.

» Financial Goals Clarity
Since you have no children now, you can decide your long-term goals. Typical goals may include:

Retirement

Future child education

Dream lifestyle purchase

Health care reserves

When goals are clear, investment purpose becomes stronger. So you can map each fund category to goal horizon. Short-term goals should not use equity. Long-term goals should use equity with hybrid support.

» Role of Review and Monitoring
Review once in a year is enough. Frequent review can create anxiety. Annual review helps check:

Fund performance

Expense drift

Category relevance

Allocation balance

Then adjust only if needed. This progress helps you stay confident and aligned.

» Taxation Awareness
Equity mutual funds taxation rules are:

Short term (below one year holding) taxable at 20 percent

Long term (above one year holding) gains above Rs 1.25 lakh taxable at 12.5 percent

Debt mutual funds are taxed as per your income slab.

So always hold equity funds for long term. That reduces tax impact and gives better growth.

» SIP Increase Plan
You can create a simple plan to increase SIP over time. For example:

Increase SIP at every salary increment

Increase SIP during bonus time

Use rewards or extra income for investing

This habit accelerates wealth. So by the time you reach 45 to 50 years, your investments could reach a strong level.

» Insurance and Protection
Before investing large, ensure you have term insurance and health insurance. If not already done, it is important. Insurance protects wealth. Without insurance, even a small medical event can impact investment plan. So review this part also. Since you are married, cover both.

» Wealth Behaviour Mindset
You are already disciplined. Just keep these simple principles:

Invest without stopping

Review once a year

Avoid funds overlap

Follow asset allocation

Avoid reacting to media noise

This helps you reach long term milestones.

» Finally
You are on the right track. Only fine tuning and simplification is needed. Your discipline is visible. Your portfolio will grow well with structure, patience and periodic review. Use the Rs 6 lakh with STP approach. And continue SIP with rationalised categories.

With time and consistency, wealth creation becomes effortless and peaceful. You just need to stay committed and avoid overthinking during market movements.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

...Read more

Dr Dipankar

Dr Dipankar Dutta  |1837 Answers  |Ask -

Tech Careers and Skill Development Expert - Answered on Dec 05, 2025

Career
Dear Sir, I did my BTech from a normal engineering college not very famous. The teaching was not great and hence i did not study well. I tried my best to learn coding including all the technologies like html,css,javascript,react js,dba,php because i wanted to be a web developer But nothing seem to enter my head except html and css. I don't understand a language which has more complexities. Is it because of my lack of experience or not devoting enough time. I am not sure. I did many courses online and tried to do diplomas also abroad which i passed somehow. I recently joined android development course because i like apps but the teaching was so fast that i could not memorize anything. There was no time to even take notes down. During the course i did assignments and understood the code because i have to pass but after the course is over i tend to forget everything. I attempted a lot of interviews. Some of them i even got but could not perform well so they let me go. Now due to the AI booming and job markets in a bad shape i am re-thinking whether to keep studying or whether its just time waste. Since 3 years i am doing labour type of jobs which does not yield anything to me for survival and to pay my expenses. I have the quest to learn everything but as soon as i sit in front of the computer i listen to music or read something else. What should i do to stay more focused? What should i do to make myself believe confident. Is there still scope of IT in todays world? Kindly advise.
Ans: Your story does not show failure.
It shows persistence, effort, and desire to improve.

Most people give up.
You didn’t.
That means you will succeed — but with the right method, not the old one.

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