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35-Year-Old Making 1.3L/Month Seeks Investment Advice for Early Retirement

Ramalingam

Ramalingam Kalirajan  |7922 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 24, 2025

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 - Jan 23, 2025Hindi
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Hi Sir, I work in a corporate firm with take home 1.3L per month - holding EMI worth 50k and essential expenses 30-40per month. I have bought stocks worth 50k and hold corpus of 4L. Could you advise investments and early retirement options being at 35yrs old

Ans: Your efforts in saving and investing are commendable. With proper planning, you can achieve early retirement. Let’s review your financial position and create a roadmap.

1. Current Financial Situation
Monthly Income and Expenses
Your take-home salary is Rs 1.3 lakh per month. Out of this:

Rs 50,000 goes towards EMI.
Rs 30,000 to Rs 40,000 is spent on essentials.
Your monthly savings range between Rs 40,000 and Rs 50,000.
Investments and Corpus

Stocks worth Rs 50,000.
Corpus of Rs 4 lakh in savings.
EMI Impact
A large EMI can strain your savings. It is critical to reduce debt over time.

2. Retirement Goals
Early retirement at 35 will require disciplined planning. Key factors to consider include:

Target Retirement Corpus
Your goal should be to build a large corpus. It should sustain your monthly expenses for 30+ years.

Inflation Impact
Inflation will significantly increase future expenses. Your corpus must grow to outpace inflation.

Debt-Free Retirement
Ensure all debts, including loans and EMIs, are cleared before retirement.

3. Optimising Investments
Your current investments are limited. Expanding your portfolio can generate better returns.

Increase Savings Rate
Aim to save 50-60% of your income. This can accelerate your retirement goal.

Diversify into Mutual Funds
Actively managed mutual funds provide consistent long-term growth. Invest through a Certified Financial Planner for professional guidance. Avoid direct funds as they require expertise and time to manage.

Build a Balanced Portfolio
Maintain a mix of equity, debt, and alternative investments. This ensures growth with stability.

Avoid Over-Concentration in Stocks
Stocks worth Rs 50,000 are high-risk investments. Diversify into mutual funds for reduced risk.

Invest in Fixed-Income Instruments
Use PPF and Senior Citizen Savings Scheme (after retirement) for stable, tax-efficient returns.

4. Debt Management
Debt repayment should be a priority:

Pay Off EMI Early
Direct a portion of your savings towards prepaying the EMI. This reduces interest burden.

Avoid Taking New Loans
Minimise future loans or credit card debt. Focus on building wealth instead.

5. Emergency Fund Creation
Maintain an emergency fund of Rs 3-6 lakh:

Purpose
It ensures liquidity during unexpected situations.

Investment Options
Keep it in liquid funds or high-interest savings accounts.

6. Insurance and Risk Management
Health Insurance
Secure a comprehensive health insurance plan for Rs 20-25 lakh.

Life Insurance
Buy a term insurance plan with a cover of at least 10 times your annual income.

Evaluate Existing Policies
Surrender endowment or ULIP policies, if any. Reinvest proceeds in mutual funds for better returns.

7. Tax Efficiency
Plan your investments to reduce tax liability:

Section 80C
Invest Rs 1.5 lakh annually in PPF, ELSS, or NPS for tax savings.

Long-Term Capital Gains (LTCG)
Equity fund gains above Rs 1.25 lakh are taxed at 12.5%. Plan withdrawals accordingly.

Debt Fund Taxation
Gains are taxed as per your income slab. Choose funds with optimal post-tax returns.

8. Steps for Early Retirement
Follow these steps to achieve early retirement:

Set a Target Corpus
Estimate the corpus needed to cover expenses for 30+ years.

Invest Regularly
Increase monthly SIPs in mutual funds. Automate investments for discipline.

Monitor Portfolio
Review investments annually with a Certified Financial Planner. Rebalance as needed.

Post-Retirement Income
Use SWP from mutual funds for monthly income. Combine with PPF and other fixed-income instruments.

9. Lifestyle Adjustments
Small lifestyle changes can accelerate savings:

Reduce Non-Essential Spending
Limit discretionary expenses to boost savings.

Plan Major Expenses
Delay or stagger big-ticket expenses until your financial situation improves.

10. Action Plan for Next Five Years
Year 1:

Build an emergency fund of Rs 3-6 lakh.
Start SIPs of Rs 20,000-30,000 in mutual funds.
Pay off 20% of your EMI.
Year 2:

Increase SIPs to Rs 40,000.
Clear 50% of your EMI.
Build a corpus of Rs 10 lakh in mutual funds.
Years 3-5:

Fully repay your EMI.
Grow your mutual fund corpus to Rs 25-30 lakh.
Final Insights
Early retirement is achievable with disciplined planning. Focus on increasing savings, reducing debt, and diversifying investments. Seek guidance from a Certified Financial Planner for personalised advice. Your efforts today will ensure financial freedom tomorrow.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
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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I m 37Y old.. have 12L in PF, 20L in PPF around 5L in LIC , around 20L in crypto(gain is around 5L), 9L in MIS. Have invested 5L in SSY so far for my 7 year old daughter and 5L in SCSS for my MIL. Monthly savings is around 40K.Please suggest what i need to do for early retirement
Ans: Strategic Roadmap for Early Retirement

Embarking on the journey towards early retirement necessitates meticulous financial planning and astute investment decisions. Let's delve into tailored recommendations to steer you closer to your goal of early retirement while optimizing your existing assets and financial resources.

Evaluating Your Current Financial Landscape

Provident Fund (PF) and Public Provident Fund (PPF): Your significant allocations to PF and PPF signify a conservative savings approach aimed at long-term financial stability. These avenues offer tax benefits and consistent returns, laying a sturdy groundwork for retirement planning.

Life Insurance Corporation (LIC): While life insurance serves as a safety net for your family, traditional investment-cum-insurance products may not offer optimal growth potential. Consider reevaluating your LIC policies and reallocating funds to more dynamic investment avenues, such as mutual funds, to enhance wealth accumulation.

Cryptocurrency and Monthly Income Scheme (MIS): Cryptocurrency investments entail inherent volatility and regulatory uncertainties, warranting cautious consideration. Given the lack of regulation and heightened risk associated with cryptocurrencies, it's prudent to exercise restraint or limit exposure to such speculative assets. Similarly, while MIS offers steady income, explore alternative investment avenues with higher growth potential and risk-adjusted returns.

Sukanya Samriddhi Yojana (SSY) and Senior Citizen Savings Scheme (SCSS): Your investments in SSY and SCSS underscore your commitment to securing your loved ones' financial futures. While these schemes offer attractive interest rates and tax benefits, evaluate whether they align with your overall investment strategy and explore supplementary avenues for portfolio diversification.

Crafting a Holistic Retirement Strategy

Define Clear Retirement Objectives: Establish concrete retirement goals, including target retirement age, desired lifestyle post-retirement, and estimated expenses. This foundational framework will serve as a roadmap for structuring your retirement plan.

Risk Assessment and Asset Allocation: Evaluate your risk tolerance and investment horizon, bearing in mind your aspiration for early retirement. Strive for a balanced asset allocation strategy that blends conservative and growth-oriented investments to mitigate risk while optimizing returns over the long term.

Diversification and Asset Optimization: Embrace a diversified investment approach encompassing a range of asset classes, including equities, mutual funds, fixed income instruments, and alternative investments. Redirect resources from underperforming or high-risk assets, such as speculative cryptocurrencies or traditional insurance products, towards well-diversified investment vehicles with growth potential and liquidity.

Regular Portfolio Review and Adjustment: Commit to ongoing monitoring and adjustment of your investment portfolio to adapt to evolving market dynamics and personal financial objectives. Regularly reassess your retirement plan, making necessary tweaks to ensure alignment with your changing goals and risk profile.

Conclusion

In summary, achieving early retirement necessitates a comprehensive financial blueprint that optimally allocates resources, embraces diversification, and prioritizes long-term wealth creation. By recalibrating your investment strategy to steer clear of high-risk assets like speculative cryptocurrencies and traditional insurance products, and by channeling funds towards growth-oriented investment avenues, you can fortify your path towards early retirement with resilience and confidence.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam

Ramalingam Kalirajan  |7922 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 20, 2024

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Sir i am 27 yrs old unmarried .i have 35L in FD 10L in ppf 15L in mutual fund 20L in stocks 5L in SGB . I have an annually income of 30L i want to retire by 40 i have brought a term insurance and health insurer. Can help me plan how to invest further and achieve my goal .Karthik banglore
Ans: Hello Karthik,

Firstly, congratulations on being proactive about planning for your retirement at such a young age. Let's delve into crafting a strategic financial plan to help you achieve your goal of retiring by the age of 40, with a focus on mutual funds (MFs) as a key component of your investment strategy.

Current Financial Position
Your current financial standing reflects a commendable level of savings and investments, providing a solid foundation for your retirement aspirations. Let's review your existing assets:

FDs, PPF, and SGB: These traditional investment avenues offer stability and security, but they might not maximize long-term growth potential.

Mutual Funds and Stocks: Investing in equities and mutual funds demonstrates your willingness to explore avenues with higher growth potential, albeit with associated market risks.

Retirement Planning Strategy
Given your ambitious retirement goal, here's a tailored approach to further optimize your investments, focusing more on mutual funds:

Asset Allocation Review:

Evaluate your current asset allocation to ensure alignment with your retirement timeline and risk tolerance. Consider reallocating a portion of your conservative investments (FDs, PPF) towards equity mutual funds for higher growth potential over the long term.
Diversification with Mutual Funds:

Explore a diversified portfolio of mutual funds across different categories:
Large-Cap Funds: These funds invest in large, well-established companies with stable performance. They offer relatively lower risk compared to mid-cap and small-cap funds.
Mid-Cap and Small-Cap Funds: These funds focus on mid-sized and small-sized companies with higher growth potential but also higher volatility. Allocate a portion of your portfolio to these funds for capital appreciation.
Flexi Cap Funds: These funds provide flexibility to invest across market capitalizations based on prevailing market conditions. They offer a balanced approach between growth and stability.
ELSS Funds: Consider investing in Equity Linked Savings Schemes (ELSS) to avail tax benefits under Section 80C of the Income Tax Act, while also benefiting from potential capital appreciation.
Regular Portfolio Monitoring:

Implement a disciplined approach to monitor and rebalance your MF portfolio periodically. Review fund performance, expense ratios, and fund manager track records to ensure they align with your investment objectives.
Systematic Investment Plan (SIP):

Utilize SIPs to invest systematically in mutual funds, enabling rupee-cost averaging and mitigating the impact of market volatility over time. Allocate your monthly investment amount across various MF categories based on your risk profile and investment horizon.
Tax Planning:

Optimize your tax efficiency by leveraging tax-saving mutual fund options such as ELSS funds. Maximize contributions to tax-deferred accounts like ELSS to reduce your taxable income and enhance overall savings.
Conclusion
In conclusion, by adopting a proactive and strategic approach to your financial planning, with a focus on mutual funds, you're well-positioned to achieve your goal of retiring by the age of 40. Continuously assess and adjust your MF portfolio to align with evolving market conditions and personal financial objectives. Remember, early retirement requires diligent planning and disciplined execution, but with careful guidance and prudent decision-making, you're on the right track to realizing your retirement dreams.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam Kalirajan  |7922 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 11, 2024

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HI, I am 34 year old working and my salary is 95000 Rs. and I have an personal loan which need to be paid for coming 5 Years which EMI is 11000 PM, apart from this I am having an Post office insurance of 5000PM , 3 SIPs quant small cap 5000PM, Nippon Large cap 3000PM, Motilal oswal Mid cap 5000 per month and one Max Niftly alpha50 10000 PM, I would like to get retire in age of 55 and would like to have around 3 crore at the time of retirement is above investment are sufficient.
Ans: Your goal to retire at 55 with a corpus of Rs 3 crore is achievable with a structured financial plan. Let's dive into the details and assess your current situation.

Current Financial Situation
You're 34 years old, earning Rs 95,000 per month. You have a personal loan with an EMI of Rs 11,000 for the next 5 years. Additionally, you have a Post Office Insurance policy with a premium of Rs 5,000 per month. Your investments include four SIPs:

A small-cap fund with Rs 5,000 per month.
A large-cap fund with Rs 3,000 per month.
A mid-cap fund with Rs 5,000 per month.
A focused equity fund with Rs 10,000 per month.
Genuine Compliments and Understanding
First, let me commend you for starting your investments early. It shows foresight and a disciplined approach towards your financial goals. Managing EMIs, insurance premiums, and SIPs simultaneously can be challenging, but you're on the right track. Let's enhance your strategy to ensure you meet your retirement goal of Rs 3 crore by 55.

Evaluating Your Investments
Small-Cap Funds
Small-cap funds have the potential for high returns, but they come with significant volatility. Given your investment horizon, they can be a good choice for capital appreciation. However, it's crucial to regularly review the fund's performance.

Large-Cap Funds
Large-cap funds offer stability and moderate returns. They invest in well-established companies, providing a balance to your portfolio. This is a solid choice for steady growth.

Mid-Cap Funds
Mid-cap funds strike a balance between the high growth potential of small caps and the stability of large caps. They are a good addition for diversification and growth.

Focused Equity Funds
Focused equity funds invest in a limited number of stocks. While they can deliver high returns, they also carry higher risk due to the concentrated portfolio. Regular performance review is essential.

The Importance of Regular Reviews
It's important to regularly review your investment portfolio. Financial markets are dynamic, and fund performance can change over time. Regular reviews help you stay on track and make necessary adjustments.

The Power of Compounding
One of the key advantages of mutual funds is the power of compounding. By investing regularly and staying invested over the long term, your investments can grow exponentially. Compounding allows your returns to generate more returns, significantly increasing your wealth over time.

Risk and Diversification
Investing in mutual funds comes with risks, such as market risk, credit risk, and liquidity risk. However, diversification helps mitigate these risks. By investing in different types of funds, you spread the risk across various asset classes and sectors.

Benefits of Actively Managed Funds
While index funds mimic the market index and provide average market returns, actively managed funds aim to outperform the market. Fund managers use their expertise to select stocks with high growth potential. Although they come with higher management fees, the potential for higher returns can outweigh the costs.

Disadvantages of Index Funds
Index funds, while low-cost, do not offer the potential for superior returns like actively managed funds. They simply track the market index and cannot outperform it. In volatile markets, this can be a disadvantage as they lack the flexibility to adapt to changing market conditions.

The Case Against Direct Funds
Direct funds have lower expense ratios compared to regular funds. However, investing through a Certified Financial Planner (CFP) provides valuable guidance. CFPs can help you select the right funds, monitor your investments, and make adjustments as needed. The expertise and personalized advice they offer can significantly enhance your investment strategy.

Your Retirement Goal: Rs 3 Crore
To achieve a corpus of Rs 3 crore by 55, it's crucial to maintain and possibly increase your current investments. Here's a detailed plan to help you stay on track:

Increase SIP Contributions: As your salary increases, consider increasing your SIP contributions. This will accelerate the growth of your corpus.

Diversify Your Portfolio: Continue diversifying your investments across different types of funds to spread risk and enhance returns.

Regular Performance Reviews: Conduct regular reviews of your investment portfolio. Rebalance your portfolio if necessary to align with your financial goals.

Maintain an Emergency Fund: Ensure you have an adequate emergency fund to cover unexpected expenses. This prevents you from dipping into your investments during emergencies.

Plan for Debt Repayment: Focus on repaying your personal loan within the next 5 years. Once repaid, redirect the EMI amount towards your investments.

Empathy and Encouragement
It's commendable that you are managing multiple financial commitments while planning for retirement. Financial planning requires discipline and patience, and you're doing a great job. Stay committed to your plan, and with regular reviews and adjustments, you'll achieve your retirement goal.

Final Insights
Retiring at 55 with a corpus of Rs 3 crore is achievable with your current investment strategy. By maintaining and increasing your SIP contributions, diversifying your portfolio, and conducting regular performance reviews, you can stay on track. Remember to leverage the expertise of a Certified Financial Planner for personalized advice and guidance.

Conclusion
Stay committed to your investment strategy, and keep your financial goals in mind. With discipline and regular reviews, you'll achieve your retirement goal and enjoy a financially secure future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Asked by Anonymous - Feb 10, 2025Hindi
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I am 51 single, divorced and have one little sister who is 32. Recently I lost my job, and I am not in the mood to search for a new one. I am in the process of making arrangement to fulfill my monthly needs. I am holding the NPS which has a small corpus of 5 lacs in tier 1 and 45k in tier 2. Now I want to completely exit from the NPS. Now I must compulsorily accept the 20% withdrawal and 80% annuity. I have a few queries below. 1. Should I consider buying 100% annuity. 20% withdrawal does not make sense 2. Should I consider putting 1.5 lacs more to enhance the annuity (The corpus will become 7 lacs approx.). 3. Should I consider taking out the annuity on a yearly basis (Please explain Its pros and cons), since it offers more benefit. 4. Should I consider the Shriram life insurance. 5. Will it be safe to consider Shriram life insurance for life long future annuity. It offers the highest annuity. 6. Should I consider Annuity for Life with ROP - Subscriber will get annuity for lifetime and on death of the Subscriber, payment of annuity ceases & 100% of the purchase price will be returned to the nominee(s). The annual offer is 49,063.00 (7.01%) 7. Should I consider Annuity for Life without ROP - Subscriber will get annuity for lifetime and on death of the Subscriber, payment of annuity ceases, and no further amount will be payable. The annual offer is 58,112.00 (8.30%)
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Point wise answers to your queries as given below:

1. Yes.
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4. Cannot comment on suitability of xyz firm.

5. Consider an insurer which has good capital adequacy, growing profitable business, preferably listed, reputation of the owner/group apart from decent annuity rates on offer.

6 & 7. My suggestion would be to opt for annuity for life with ROP to your nominee. Ultimately it is your call.

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I graduated with a BBA in 2022, and since then, I’ve been on a thrilling two-year adventure at an MNC. But guess what? I decided to resign in March 2024 because, you know, who doesn’t love a little drama at work? Now, I’ve managed to burn through all my hard-earned savings like a pro, and here I am, utterly confused about my future. Sometimes I think about leaving India—maybe for studies or just to escape and do some mindless job somewhere. Other times, I dream of retreating to the most remote corner of India and living off the grid. I’ve always been pretty good with technology, snagged a degree, and even racked up some work experience. But now? I’m completely lost on where to start over. I’ve scoured countless articles and advice columns, but they’ve been about as helpful as a chocolate teapot. I’m just looking for that life-changing advice that seems to be in short supply. Turning 24 this year!
Ans: Hello Manan,
My simple advice to you would be to get back to some job while you can continue to ponder over your long term goals/passion/pursuits.
Sitting idle (with no funds) at home won't help & it is not going to do any good to your career/life plans.
Simultaneously you can continue to do introspection & chalk out a proper plan as far your larger life goals are concerned.
Say you earnestly wish to pursue higher studies than you need to get yourself these answers 1) Why you need a higher degree in first place ? 2) Will it help you to get job/career of your choice? 3) If yes, then shortlist some relevant good courses & start exploring admit process etc. 4) Meanwhile do account for funds that will help you to time your break from the job (savings, loans etc.)
Likewise ask yourself questions for each option you have in mind & be honest in responses, that will help you to zero on your real aspiration & then do the proper detailing/planning. This may entail some compromises in short term but will certainly pave your way to achieve long term goals.

Best of Luck!

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Asked by Anonymous - Feb 10, 2025Hindi
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Hello dear sir, I gave the 12th state board exam in 2024. I have given jee main three attempts I haven't given jee advanced exam yet . I have got less percentage in 12th , So will I have two more attempts for JEE Advanced? after doing 12th from state board and CBSE board?
Ans: Your question is not clear to me. Yes you can give JEE exam three times.

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Ravi

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Dating, Relationships Expert - Answered on Feb 10, 2025

Asked by Anonymous - Feb 08, 2025
Relationship
Me and my girlfriend we both are in relationship from about last 2 years (almost). After such a long time I got to know that she had 2 relationships before me that too she didn't told I got to know it by third person she was sexually involved too (not intercourse but yes other things with one of them)... When I asked her that why you didn't told anything to me before she said she was scared that if she'll tell it to me so I'll leave her and she really did not wanted that... She was scared to loose me. And she was still in contact with that guy and when I asked her that why you were still in contact with him (it's been around 3 years they got separated) so she says that she is like that only... She can't deny anyone because of her soft hearted nature but she did not had any feelings for him. She also said that once she even went to meet him when he requested to meet and also on the same she claims that her soft hearted nature has done that she wasn't able to deny. I loved her too much but now all these things are hurting me like anything. (She is my first relationship before her i never had anyone)
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.

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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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