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Laid off from IT job after 18 years, how to manage finances with a young family?

Ramalingam

Ramalingam Kalirajan  |7596 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 20, 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
shekarraju Question by shekarraju on Nov 14, 2024Hindi
Money

I worked in IT industry for 18 years and 5 Years in MFG, lost job was getting 1.4 lakh/month , have loan of 13 lakh, rental income 20k ,PF 10 Lakh saving 5 Lakh . how to improve to income for children 12 & 3 studies and other expenses

Ans: You have a solid financial base, including rental income, PF, and savings. Losing your job is a difficult phase, but it also offers an opportunity to reassess your goals. Your priorities—managing expenses, repaying loans, and planning for your children’s future—are achievable with a systematic approach.

Let’s analyse your situation from all angles and create a comprehensive financial plan.

Detailed Analysis of Your Assets and Liabilities
1. Loan Liabilities

Your outstanding loan of Rs 13 lakh is a major priority.
Paying EMIs consistently while maintaining liquidity will help ease this burden.
2. Rental Income

Rs 20,000 per month is a valuable, steady income source.
This income can support loan repayment or household expenses.
3. Provident Fund (PF)

Rs 10 lakh in PF is a significant safety net for your retirement.
Avoid using PF for immediate needs unless absolutely necessary.
4. Savings

Rs 5 lakh in savings can be utilised strategically.
Reserve a part for emergencies, and use the rest for growth-oriented investments.
Strategies to Improve Income
A. Leverage Professional Experience

Your 18 years in IT and 5 years in MFG offer opportunities to monetise your skills.
Seek freelance consulting or project-based roles in IT, supply chain, or manufacturing.
Register on platforms that connect experienced professionals to global employers.
B. Upskill for High-Demand Roles

Enrol in short-term certifications in areas like cloud computing, AI, or supply chain analytics.
Consider online platforms offering affordable courses to boost employability.
C. Explore Passive Income Streams

Convert savings into investments that generate steady returns.
Look for low-risk instruments that complement your rental income.
Loan Management
A. Prioritising Debt Repayment

Allocate rental income of Rs 20,000 monthly towards loan EMIs.
Ensure timely payments to avoid penalties and maintain your credit score.
B. Negotiating Loan Terms

Approach your lender to explore refinancing options for better interest rates.
If possible, restructure the loan to lower monthly EMIs.
C. Avoid Aggressive Prepayment

Prepay only when you have surplus funds beyond emergency reserves.
Maintaining liquidity is crucial to address unexpected expenses.
Building a Secure Financial Base
A. Emergency Fund Creation

Set aside Rs 3 lakh from your savings as an emergency fund.
Keep this fund in a liquid or ultra-safe investment to access it quickly.
B. Children’s Education Planning

Your children, aged 12 and 3, will require significant educational funds.
Start systematic investments now to meet these future needs.
C. Protecting Your Family’s Future

Ensure adequate life and health insurance coverage to protect against uncertainties.
Reassess existing policies to confirm they align with your financial goals.
Expense Management
A. Streamlining Monthly Expenses

Identify and reduce non-essential spending.
Use expense-tracking apps to monitor and control your budget.
B. Prioritising Education Costs

Focus on allocating a portion of income towards your elder child’s school fees.
Plan for higher education expenses well in advance by estimating future costs.
C. Accounting for Inflation

Factor in annual inflation, especially for education and healthcare.
Adjust your savings and investments to account for these rising costs.
Enhancing Investment Strategy
A. Systematic Investment Planning (SIP)

Start SIPs in mutual funds with a balanced mix of equity and debt exposure.
Use regular funds through a Certified Financial Planner (CFP) for expert guidance.
B. Advantages of Regular Funds Over Direct Funds

Direct funds lack the professional advice and market insights provided by CFPs.
Regular funds allow you to focus on long-term goals with less personal effort.
C. Avoid Index Funds for Better Returns

Index funds only replicate market performance without active risk management.
Actively managed funds adapt to market changes, potentially delivering higher returns.
Tax Planning for Maximum Efficiency
A. Utilising Tax Deductions

Maximise deductions under Section 80C by investing in tax-saving instruments.
Consider ELSS funds, which combine tax benefits with wealth creation.
B. Planning Withdrawals for Lower Tax Impact

Withdraw investments strategically to minimise taxable income.
Understand the latest mutual fund tax rules to optimise gains.
C. Investing for Tax Efficiency

Allocate savings in instruments offering tax-free or tax-deferred returns.
Use systematic transfer plans (STPs) to transition funds between debt and equity.
Focusing on Children’s Education
A. Long-Term Education Planning

Begin investing specifically for your children’s higher education.
Use diversified instruments to build a substantial corpus over the years.
B. Setting Milestone-Based Goals

Break down education costs into milestones (e.g., school, college, post-graduation).
Align investment timelines to meet these milestones effectively.
C. Combining Growth and Stability

Choose a balanced investment strategy to ensure growth without excessive risk.
Review your portfolio yearly to align with evolving financial goals.
Planning for Retirement
A. Preserving Your PF for Retirement

Keep PF untouched as your retirement base.
Complement it with long-term investments in growth-oriented funds.
B. Building a Secondary Corpus

Invest systematically in debt and equity funds to create an additional retirement corpus.
Maintain a diversified portfolio to reduce overall risk.
C. Ensuring Financial Independence

Target investments that generate a steady income during retirement.
Reinvest returns to grow your corpus until retirement.
Continuous Monitoring and Professional Guidance
A. Collaborate with a Certified Financial Planner

Work with a CFP to create a tailored financial plan.
Review your progress regularly and adjust as needed.
B. Monitoring Investments

Track the performance of all investments every six months.
Rebalance your portfolio to adapt to changing market conditions.
C. Staying Updated

Stay informed about new financial products and investment opportunities.
Use financial literacy to make better decisions for your family’s future.
Final Insights
You have a strong foundation with your rental income, PF, and savings. By focusing on income enhancement, debt management, and systematic investing, you can secure your family’s future. Plan strategically for your children’s education and retirement, ensuring financial stability. Stay disciplined, adaptable, and focused on long-term goals.

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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Hi i am 43years old my life going to very very more problem regarding money currently income 40plus per month i heave not money balance every month going to zero please suggested me how can improve
Ans: I'm sorry to hear about your financial challenges. It sounds like you're facing cash flow issues despite a decent income. Let's work on a plan to improve your financial situation:

Budgeting: Start by tracking your expenses meticulously for a month. Identify areas where you can cut back or eliminate unnecessary spending.
Emergency Fund: Build an emergency fund to cover at least 3-6 months of living expenses. This buffer can help you avoid going into debt during unexpected financial setbacks.
Debt Management: If you have high-interest debt, focus on paying it down aggressively. Consider consolidating debts or negotiating lower interest rates with creditors.
Increase Income: Look for ways to increase your income, such as taking on a side hustle or upgrading your skills to qualify for a higher-paying job.
Invest Wisely: Invest in a diversified portfolio that aligns with your risk tolerance and financial goals. Consider seeking professional advice to optimize your investments.
Financial Education: Educate yourself about personal finance and money management. Understanding financial principles can help you make informed decisions and avoid common pitfalls.
Seek Professional Help: If you're feeling overwhelmed, consider consulting a financial advisor or counselor who can provide personalized guidance and support.
Remember, improving your financial situation is a journey that requires patience, discipline, and commitment. Start small, set achievable goals, and gradually work your way towards financial stability and prosperity.

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Ramalingam Kalirajan  |7596 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 25, 2024

Asked by Anonymous - Jul 19, 2024Hindi
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Hi, I am 44 Years, Married, Wife age 39 and not working, 2 Kids age 10 and 6 years studying. Monthly In : approx.150000 (after deducting tax etc.). Monthly expenses approx. Rs. 1 Lac, Investment: Rs. 17500 PM in 7 different MFs, 12500 PPF PM, 50000 Insurance Per annum, 50000 NPS per annum, Not having own house (suffered a loss of approx. Rs. 25 Lac in a property in year 2015), currently on rent, not having any other support system...pl advise how to proceed further. Regards
Ans: Current Financial Overview
Your income is Rs. 1,50,000 per month.

Your monthly expenses are approximately Rs. 1,00,000.

You are investing Rs. 17,500 per month in mutual funds, Rs. 12,500 per month in PPF, Rs. 50,000 annually in insurance, and Rs. 50,000 annually in NPS.

Assessing Your Investments
Mutual Funds

Investing in seven different mutual funds is good for diversification.

PPF

PPF is a safe investment with tax benefits.

Insurance

Ensure you have adequate term insurance coverage.

NPS

NPS is good for retirement planning with tax benefits.

Financial Goals and Strategies
Goal: Buying a House
You previously faced a loss in property investment.

Saving for a house should be a priority.

Consider saving separately in a high-interest account.

Goal: Children’s Education
Plan for your children’s education expenses.

Start SIPs in education-focused mutual funds.

Goal: Retirement Planning
You are already investing in NPS and PPF.

Consider increasing contributions to NPS.

Monthly Savings Allocation
Increase Savings

Try to save more from your monthly income.

Aim for saving 25-30% of your income.

Investment Diversification
Equity Mutual Funds

Allocate more to large-cap and mid-cap funds.

These funds offer balanced growth and stability.

Debt Funds

Invest in debt funds for stability and regular income.

Balanced Funds

Consider balanced advantage funds.

These funds provide a mix of equity and debt.

Insurance Review
Term Insurance

Ensure you have adequate term insurance coverage.

A cover of Rs. 1 crore is recommended.

Health Insurance

Ensure comprehensive health coverage for your family.

Emergency Fund
Maintain an emergency fund.

Keep at least 6 months of expenses in a liquid fund.

Professional Guidance
Consult a Certified Financial Planner.

They can provide personalized advice and regular reviews.

Action Plan
1. Increase SIPs

Gradually increase SIP contributions.

Focus on large-cap, mid-cap, and balanced funds.

2. Save for House

Save separately in a high-interest account for buying a house.

3. Plan for Education

Start SIPs in education-focused mutual funds.

4. Review Insurance

Ensure adequate term and health insurance coverage.

5. Maintain Emergency Fund

Keep an emergency fund for at least 6 months of expenses.

Final Insights
Your financial plan should focus on increasing savings, diversifying investments, and planning for future goals.

Regularly review and adjust your investments to stay on track.

Seek professional guidance to ensure a comprehensive financial strategy.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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Latest Questions
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Ramalingam Kalirajan  |7596 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 21, 2025

Asked by Anonymous - Jan 21, 2025Hindi
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I'm 32, with no savings other than my monthly SIP of 5000 which i have been doing since 2022 september. I have no financial backing, could you help me with a break up of how i can start investing and saving.
Ans: At 32, starting with Rs. 5,000 monthly SIP is a good first step. Building wealth requires a structured approach to saving and investing. Here's a step-by-step guide to help you achieve financial stability and growth.

Assessing Your Current Situation
You have no financial backing, so an emergency fund is critical.

Your monthly SIP indicates discipline in investing.

Prioritising goals and systematic planning will strengthen your finances.

Step 1: Establish an Emergency Fund
Save at least 6 months' worth of monthly expenses in a liquid fund or savings account.

Allocate a fixed portion of your income every month for this purpose.

Emergency funds should be easily accessible but not used for routine expenses.

Step 2: Manage Expenses Effectively
Create a monthly budget to track income and expenses.

Identify unnecessary expenses and redirect the savings towards investments.

Follow the 50-30-20 rule:

50% for necessities (rent, food, bills).
30% for discretionary spending (entertainment, hobbies).
20% for savings and investments.
Step 3: Continue and Enhance SIP Contributions
Your Rs. 5,000 SIP in equity mutual funds is a good start.

Gradually increase the SIP amount as your income grows.

Choose funds based on your risk tolerance and investment horizon.

Step 4: Diversify Your Investments
Equity Mutual Funds

Continue investing in actively managed funds for long-term growth.
Focus on funds with consistent performance over 5-10 years.
Debt Funds or Fixed Deposits

Allocate a portion to safer instruments for stability.
These options can balance risk in your portfolio.
PPF (Public Provident Fund)

Open a PPF account for tax-saving benefits and long-term compounding.
Invest a fixed amount annually to build a secure retirement corpus.
Gold for Wealth Protection

Allocate a small percentage (5-10%) to gold (SGB or gold mutual funds).
Gold acts as a hedge against inflation.
Step 5: Focus on Insurance and Risk Coverage
Purchase a term insurance policy with adequate coverage (10-15 times your annual income).

Ensure you have comprehensive health insurance to cover medical emergencies.

Avoid investment-cum-insurance policies as they deliver low returns.

Step 6: Plan for Long-Term Goals
Define specific financial goals like buying a house, retirement, or children's education.

Assign timelines and cost estimates to each goal.

Invest in equity for long-term goals (10+ years) and debt for short-term goals (1-3 years).

Step 7: Tax-Saving Investments
Use Section 80C instruments like ELSS, PPF, or NPS to save taxes.

ELSS funds provide equity exposure with tax benefits under Section 80C.

Avoid locking excessive funds in low-return tax-saving options.

Step 8: Automate Savings and Investments
Set up auto-debit for SIPs and savings to maintain consistency.

Automating investments reduces the temptation to spend unnecessarily.

Step 9: Regular Monitoring and Review
Review your portfolio every 6 months to track performance.

Rebalance your portfolio to maintain the right asset allocation.

Avoid frequent fund switching, as it may impact long-term returns.

Final Insights
Starting with limited resources can feel challenging but is achievable with discipline. Build an emergency fund, manage expenses wisely, and grow your investments systematically. Consult a Certified Financial Planner to optimise your portfolio and achieve your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

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I am a divorced working woman , with a daughter 8 yrs. I have been pursued for remarriage with a guy who is 10 yrs older to me and have 2 kids. 11 and 14 yrs respectively living in a small town. Initially it was agreed the elder child who is a boy would be living in hostel , but now since we are approaching near to the marriage, it seems the elder male child is going to stay at home and not hostel. This is making me really uncomfortable as I won't get much privacy also the male child is aggressive.Already handling one kid was difficult before. Also moving to small town was difficult transition from a metropolitan that I stay in. Moving there could mean losing job opportunities in future. I am really worried if I let this match go, I end up alone again. I am not able to make a decision, it's difficult to raise others children. It's just not naturally inbuilt in us.Although I try really hard to mould my thinking and be more generous, but somehow it suffocates me.
Ans: Dear Anonymous,
Let me ask you one thing, if you knew a plane was going to crash, would you still get on it because you are worried you will reach your destination late? No, right? Similarly, if you know this marriage could be really tough on you, with the added responsibilities of a teenager and another soon-to-be teenager, do you still want to go ahead with it, just because you might have to stay alone for a while longer?

I can't really make a decision for you, but I can urge you to rethink this alliance. It's great that you are trying to compromise but do not compromise so much that nothing that you want is given any importance. You cannot ask a father to send his child to a hostel so that you can have some privacy; similarly, no one can force you to raise him as well. The best decision would be to either reconsider the relationship or have an open conversation and come to a middle ground that works for all.

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How do I 32M get over my insecurity with 30F? (Seeking Advice) Met this girl via matrimony exactly 2 months back. We connect well. Our families have met recently and it went well. Somehow we found a lot of connections between our families. That's just a bonus. Her family likes me a lot and they wanted to do Roka when they met us last week. I had told her, that no matter our bond, we should talk a lot and give it 3 months before going for roka. We live in different metro cities and have met twice now. About her: She is 30, well behaved & spoken(most important thing for me), smart, good looking, and is extremely polite. She is an army brat, has had a lot of freedom from family. Due to her father's job, they kept getting posted to different cities so she doesn't really understand family part of things. She's in a IT job. About me: I'm 32, okayish guy, in IT. To take things ahead I need to know my partner's past. I have no judgements at all but need to know stuff. Getting to know things over time bothers me a lot. I've tried to work on it, and have always made sure I don't bother the other person too much. After a month of talking, she told me that she had a casual boyfriend for an year. All her friends were dating in Bangalore and she decided to try it out. Found a guy through bumble and started dating him. So, according to her there were no feelings, just a person for her to go to places with, have drinks, and party. She likes drinking a lot and I have never taken a sip. She said that it was just a phase and she was immature. This happened between 2018(Nov) to 2020(march). So, it's been like 5 years. Never dated anyone after that. Since covid(2020) she's been living with her parents due to wfh. I have been completely ok with that but new things surfaced and they are messing with my head. While snooping around her facebook I figured out who that person was and this guy is super close to a person in my distant family. In fact they both were flatmates until their respective marriages. This distant cousin of mine knows me and knows her really well. These 3 used to hangout a lot and he has seen her come to their flat regularly. Infact, she had a good bond with my cousin as well. There are things that bother me and I really can't shake things and feel super awful in my gut. She mentioned that she and her ex had a common love for drinking and regularly visited pubs, got drunk, and partied. This means that they would be staying at each other's place as well. This is something super old but bothers me a lot. Specifically the fact that she would be drunk partying with someone for an year and sleeping with him, with no feelings. Secondly, I found some posts where she has liked a post about this guy on fb/insta from mid-2021. I have already confronted her twice to share everything and we shall never discuss this again but this bothers me a lot. Secondly, now that I know the timelines I can figure out what photos have been taken by her ex. There's even a photo of her sitting on a messy bed, where she's cutting her bday cake. They celebrated it together. I found my cousins page and some other pages from which I knew it's the guy's room/flat. I know everyone has a past. She has come clean to me but somehow my brain is so split. Sometimes her nature and behaviour with me make me not care about anything. And then I know the bed, flat, and her actions with some guy. Then there is this angle where the ex's flatmate is my distant cousin and knows about her well.
Ans: Dear Anonymous,
I understand that it is important for you to need to know her past and you mentioned that you merely want to know, and would not judge. But judging is exactly what you are doing. A lot of people have exes, a lot of people have occasional drinks- we can't judge people based on their past. She has opened up to you and all you are doing is snooping around. To be honest, it seems like you are really more concerned about her ex and past than about how amazing a person she is. I have only one piece of advice, if you think you can't get past her past, let her go. No one deserves to be judged by their past.

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Ramalingam

Ramalingam Kalirajan  |7596 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 21, 2025

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I am 49 and plan to retire in 2 years time.. I currently have a MF corpus of about 1.8 Cr, a PF of about 1 Cr and properties worth 2 Cr. I have been investing in MF's since 2014 through SIP's and currently have 70K monthly SIP. Please advise if I would be comfortable in 2 years, my estimated monthly expense post retirement would be approx 2 Lakhs per month
Ans: Your current corpus of Rs. 1.8 crore in mutual funds and Rs. 1 crore in PF is significant. The additional Rs. 2 crore in properties adds to your wealth but doesn’t provide immediate liquidity. Let us evaluate if your corpus will sustain your post-retirement expense of Rs. 2 lakh per month.

Estimating Post-Retirement Corpus Requirement
You plan to retire in 2 years, at age 51.

Assuming a life expectancy of 85 years, the corpus needs to last for 34 years.

An expense of Rs. 2 lakh per month means Rs. 24 lakh annually.

Adjust this amount for inflation to calculate future needs.

Current Investment Contributions
Your Rs. 70,000 monthly SIP builds your corpus over the next 2 years.

SIPs offer rupee cost averaging, reducing market volatility impact.

Assess the fund performance regularly to maximise growth.

Diversification of Investments
Your corpus is spread across mutual funds, PF, and properties.

PF provides a stable, fixed return but lacks flexibility.

Properties offer wealth accumulation but are less liquid for immediate needs.

Mutual funds remain a primary source of liquidity and growth post-retirement.

Evaluating Monthly Withdrawals Post-Retirement
Withdrawals should balance your monthly expenses and ensure corpus longevity.

Avoid withdrawing large amounts in the early years of retirement.

Consider a mix of equity and debt mutual funds for withdrawal strategies.

Role of Inflation and Healthcare Costs
Factor in inflation’s effect on expenses over 30+ years.

A 6% inflation rate doubles your monthly expense in 12 years.

Allocate for increasing healthcare costs with age.

Importance of Emergency and Medical Coverage
Keep at least 6 months' expenses in a liquid fund for emergencies.

Ensure you have comprehensive health insurance for unexpected medical costs.

Tax Efficiency in Withdrawals
Equity mutual funds' LTCG above Rs. 1.25 lakh is taxed at 12.5%.

Debt fund returns are taxed as per your income tax slab.

Plan withdrawals to minimise tax liability on gains.

Active Funds vs. Direct Funds
Actively managed funds optimise returns by responding to market changes.

Direct funds lack professional support, affecting long-term efficiency.

Work with a Certified Financial Planner to select regular funds.

Disadvantages of Relying on Real Estate
Properties are illiquid and may take time to convert to cash.

Rental income may not cover Rs. 2 lakh monthly expenses reliably.

Maintenance and property taxes further reduce returns.

Recommendations for Portfolio Restructuring
Increase Allocation to Growth Assets

Continue SIPs in equity mutual funds for growth potential.

Review funds for consistent performance and portfolio alignment.

Add Balanced and Debt Funds for Stability

Include balanced advantage and debt funds for steady income.

Debt funds reduce overall portfolio risk.

Plan a Withdrawal Strategy

Use the SWP (Systematic Withdrawal Plan) for predictable income.

Withdraw from equity funds after 3 years for tax efficiency.

Avoid Over-reliance on PF and Real Estate

PF offers safety but limited returns.

Use properties strategically for potential downsizing or sale.

Final Insights
You are on track to retire comfortably, provided you optimise your investments. Plan your withdrawals carefully, factoring in inflation and tax efficiency. Work with a Certified Financial Planner to refine your portfolio and achieve your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

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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