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Working woman, 36, earning 95k - Can I achieve a 4 crore corpus in 15 years?

Ramalingam

Ramalingam Kalirajan  |6861 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 30, 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
Arpana Question by Arpana on Jul 09, 2024Hindi
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I am a working woman, 36 years old and earning 95000 per month. Investing 30k in RD, 13 k in SIP, 6500 IN EPF every month, 1 lac in Sukanya samridhi every year. I want to achieve 4 cr corpus after 15 years. My monthly expenses are 25k. Please advice

Ans: Financial Health Check-Up
It's great to see your investments. They cover various options, showing financial awareness. Your monthly income is Rs 95,000, and you invest Rs 49,500 in different schemes. Your monthly expenses are Rs 25,000, which leaves you with a surplus of Rs 20,500 each month.

Savings and Investments Overview
Recurring Deposit (RD): Investing Rs 30,000 per month.
Systematic Investment Plan (SIP): Investing Rs 13,000 per month.
Employees' Provident Fund (EPF): Contributing Rs 6,500 per month.
Sukanya Samriddhi Yojana (SSY): Contributing Rs 1,00,000 per year.
Assessment of Current Investments
Recurring Deposit
RDs are safe but offer low returns. They are good for short-term goals but not ideal for long-term wealth creation. Consider reducing RD investments and redirecting them to higher-return avenues.

Systematic Investment Plan
SIPs in mutual funds are excellent for long-term goals. They offer good returns and diversification. Ensure you have a mix of large-cap, mid-cap, and small-cap funds to balance risk and return.

Employees' Provident Fund
EPF is a safe and tax-efficient investment. It provides steady growth over the long term. Continue with this investment for a secure retirement.

Sukanya Samriddhi Yojana
SSY is beneficial for your daughter's future needs. It offers good returns and tax benefits. Continue with this investment for her education and marriage expenses.

Recommendations for Achieving Rs 4 Crore Corpus
Increase SIP Contributions
Increase your SIP contributions. This will help you leverage the power of compounding. Divert some RD funds to SIPs in equity mutual funds for higher returns.

Focus on Equity Mutual Funds
Equity mutual funds tend to give higher returns over the long term. They are suitable for your 15-year goal. Opt for actively managed funds through a Certified Financial Planner for better performance.

Diversify Your Portfolio
Diversification reduces risk. Along with equity funds, consider debt funds for stability. A balanced portfolio will provide growth and safety.

Regular Review and Rebalance
Regularly review your investments. Rebalance your portfolio based on market conditions and your goals. This ensures optimal performance and alignment with your financial plan.

Emergency Fund
Maintain an emergency fund. It should cover 6-12 months of expenses. This fund provides a cushion during unexpected financial needs.

Detailed Action Plan
Reduce RD Investment: Lower your RD contributions. Redirect funds to equity SIPs.
Increase SIP: Increase your SIP amount gradually. Aim to invest at least Rs 25,000 per month in equity funds.
Diversify: Allocate some funds to debt mutual funds. This will balance your portfolio and reduce risk.
Review Regularly: Assess your portfolio every six months. Make adjustments as needed to stay on track.
Maintain Emergency Fund: Ensure you have an emergency fund of Rs 1.5-3 lakhs.
Final Insights
Your current investments are a good start. With some adjustments and disciplined investing, you can achieve your Rs 4 crore goal. Focus on increasing SIPs, diversifying your portfolio, and regular reviews. These steps will ensure you stay on track and meet your financial objectives.

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

Asked by Anonymous - May 20, 2024Hindi
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Hi am 35 years ,with income of 1.5lak per month..I have 15lak in shares , 7 lak in mutual fund as sip invested 3 to 4 thousand in each fund ( regular and index funds) ,7lak in gold bond , 16lak in gold, LIFE INSURANCE -pli of 20lak ( 6.7k /month) , ICICI PRUDENTIAL (1LAK/ YEAR), TATA AIA (4k/month), NPS 2lak( monthly 18k ),9lak in monthly income scheme which gets 5550 investing that into my daughter sukanya samruddhi yogana,FD of 5lak .....I need a corpus of 4 to 5 crore in next 10year ...I have monthly expenses of 20 to 30k please guide me
Ans: Assessing Your Financial Goals
Introduction
You have a strong income and diversified investments. Achieving a corpus of ?4-5 crore in 10 years is ambitious but feasible with strategic adjustments.

Current Investments
Shares: ?15 lakh
Mutual Funds (SIP): ?7 lakh
Gold Bonds: ?7 lakh
Physical Gold: ?16 lakh
Life Insurance (PLI): ?20 lakh (?6.7k/month)
ICICI Prudential: ?1 lakh/year
Tata AIA: ?4k/month
NPS: ?2 lakh (?18k/month)
Monthly Income Scheme: ?9 lakh (?5550/month reinvested in Sukanya Samriddhi Yojana)
Fixed Deposit: ?5 lakh
Monthly Expenses and Income
Monthly Income: ?1.5 lakh
Monthly Expenses: ?20-30k
Investment Strategy
Surrender Unnecessary Insurance Policies

Insurance policies like PLI, ICICI Prudential, and Tata AIA may not yield high returns. Consider surrendering these and redirecting the funds to higher-yield investments.

Enhance Mutual Fund Investments

Regular and index funds are a good start. Actively managed mutual funds can offer higher returns than index funds. Focus on diversifying across equity and debt funds.

Increase SIP Contributions

Increase your SIP investments gradually. Start with an additional 10-15% increase and review every 6 months.

Maximise NPS Contributions

NPS offers good returns and tax benefits. Continue the ?18k/month contribution and increase if possible.

Reinvesting Surrendered Insurance Funds
Mutual Funds

Redirect funds from surrendered insurance policies to mutual funds. Choose a mix of large-cap, mid-cap, and small-cap funds.

Equity Investments

With ?15 lakh already in shares, consider blue-chip stocks for stability and growth. Diversify across different sectors.

Debt Investments

Maintain a portion of your portfolio in debt instruments for stability. Consider debt mutual funds or fixed deposits.

Monitoring and Rebalancing Portfolio
Regular Reviews

Review your portfolio quarterly. Ensure your investments align with your risk tolerance and goals.

Adjust Allocations

Adjust your allocations based on market conditions. Increase exposure to equities in a growing market and shift to debt in volatile times.

Planning for Corpus Growth
Targeted Growth Rate

Aim for a balanced portfolio with an average return of 10-12% annually. Equity investments should drive growth, while debt instruments provide stability.

Reinvestment of Returns

Reinvest all returns and dividends. Compounding will significantly boost your corpus over time.

Achieving Your Goal
Projected Corpus

With disciplined investing and strategic adjustments, reaching ?4-5 crore is achievable. Utilize the power of compounding and regular contributions.

Avoid Real Estate

Real estate may not provide liquidity and returns comparable to equities and mutual funds. Focus on market-linked instruments.

Final Recommendations
Consult a CFP

Regular consultations with a Certified Financial Planner (CFP) will help fine-tune your strategy and keep you on track.

Stay Disciplined

Maintain your investment discipline. Avoid impulsive decisions based on market fluctuations.

Conclusion
Your financial foundation is strong, and with strategic adjustments, your goal of ?4-5 crore in 10 years is achievable. Focus on high-yield investments, regular reviews, and disciplined investing.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Ramalingam Kalirajan  |6861 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 12, 2024

Asked by Anonymous - Jul 02, 2024Hindi
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Hi..I am 27 years old having salary of approx 1 lakh per month. I want to make a corpus of around 10 cr till my retirement. As of now I am having Fd of 2.5 lakh, sip started 2 yrs back for 7.5k with step up of 1.5k invested in index and small cap fund which is 2 lakh. Also started investing in etf for 15k per month as sip. I have also invested in LIC which is around 1.8lakhs per year started 2 years back. As I am in PSB so in NPS around 20k per month gets deposited whose current value is 3.2 lakhs. Kindly guide.
Ans: At 27 years old and with a monthly salary of Rs. 1 lakh, you're on a great path. Let’s explore how you can reach a corpus of Rs. 10 crores by retirement.

Current Financial Overview
Fixed Deposits: You have Rs. 2.5 lakhs in FD. This is good for safety, but the returns are low.

Systematic Investment Plan (SIP): You’ve started a SIP two years back with Rs. 7,500, stepped up by Rs. 1,500. This is invested in index and small cap funds. The current value is Rs. 2 lakhs.

Exchange Traded Funds (ETFs): You invest Rs. 15,000 per month in ETFs.

LIC: You invest Rs. 1.8 lakhs annually in LIC. This started two years ago.

National Pension System (NPS): Rs. 20,000 per month is deposited in NPS. Its current value is Rs. 3.2 lakhs.

SIPs: A Good Start
Your SIP investment shows foresight. However, let’s examine the types of funds:

Disadvantages of Index Funds:
Index funds track market indices. While they offer diversification, they lack flexibility. In volatile markets, actively managed funds can adapt better.

Benefits of Actively Managed Funds:
Actively managed funds have professional fund managers. They aim to outperform the market. These funds can offer better returns with careful management.

Direct Funds vs. Regular Funds
You might be investing directly in mutual funds. Here’s why regular funds through a Certified Financial Planner (CFP) can be better:

Disadvantages of Direct Funds:
Direct funds have lower costs but no guidance. You may miss out on professional advice. This can lead to suboptimal investment choices.

Benefits of Regular Funds:
Regular funds involve a fee but come with professional advice. A CFP can help you choose the right funds, monitor performance, and adjust strategies.

LIC Policies: Reconsideration Needed
Your LIC policy requires Rs. 1.8 lakhs annually. These policies often mix insurance with investment, offering lower returns. Consider surrendering this policy and reinvesting in mutual funds. This can enhance your investment growth.

Maximizing NPS Benefits
Your NPS investment is strong. NPS offers tax benefits and long-term growth. Ensure you choose an aggressive asset allocation to maximize returns. As retirement nears, gradually shift to safer investments.

ETF Investments: Strategic Adjustments
Investing Rs. 15,000 per month in ETFs shows diligence. However, ETFs, like index funds, follow the market. Consider reducing ETF investments and reallocating to actively managed mutual funds for potentially higher returns.

Creating a Robust Investment Strategy
Diversifying Your Portfolio
Equity Funds:
Increase your SIP in equity mutual funds. Focus on a mix of large, mid, and small-cap funds. Actively managed funds can help balance risk and return.

Debt Funds:
Allocate a portion to debt mutual funds. These provide stability and reduce overall portfolio risk.

Gold Funds:
Consider a small allocation to gold funds. They hedge against inflation and market volatility.

Systematic Transfer Plans (STP)
Utilize STPs to transfer funds from debt to equity. This strategy reduces risk and ensures disciplined investing.

Stepping Up SIPs
Continue stepping up your SIPs annually. This ensures your investment grows with your income. Aim to increase your SIP contributions by at least 10-15% every year.

Importance of Financial Planning
Setting Clear Goals
Define your financial goals. Besides the Rs. 10 crore retirement corpus, set short and medium-term goals. This could include buying a house, child’s education, or travel plans.

Emergency Fund
Maintain an emergency fund. This should cover 6-12 months of expenses. It ensures financial stability during unforeseen circumstances.

Insurance: Adequate Coverage
Ensure you have adequate life and health insurance. A term plan is a cost-effective option for life insurance. Review your health insurance to cover all medical needs.

Monitoring and Review
Regular Portfolio Review
Review your portfolio every 6 months. Assess performance and make necessary adjustments. A CFP can help with these reviews.

Tax Planning
Utilize tax-saving instruments wisely. Besides NPS, consider ELSS (Equity Linked Savings Scheme) for tax benefits under Section 80C.

Final Insights
You’re on the right path with your current investments. However, a few strategic adjustments can significantly improve your chances of reaching a Rs. 10 crore corpus.

Switch to Actively Managed Funds: Move from index and ETFs to actively managed mutual funds. This can provide higher returns over time.

Reevaluate LIC Policies: Consider surrendering LIC policies and reinvesting in mutual funds.

Step Up SIPs: Regularly increase your SIP contributions. This leverages your growing income for better future returns.

Seek Professional Advice: Regularly consult a Certified Financial Planner. Their expertise can help you navigate market changes and optimize your investments.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam Kalirajan  |6861 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 15, 2024

Asked by Anonymous - Jul 02, 2024Hindi
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Hello sir, I am 28 years old living alone and earning 33 thousand per month and my total expenses are 15000 thousand a month that includes my personal expenses, house maintenance, bills, S.I.P etc. I am roughly able to save 18000 thousand a month. I live in my parents gifted house, have no on going loans, 80,000 is invested in equity market and 1,30,000 is invested in together total 4 equity and 1 hybrid mutual funds with a SIP of 1500 in ICICI value discovery fund. I have a health insurance of 2 Lakh rupees, 3 Lakhs in fixed deposit, 50,000 in postal scheme and 1,50,000 in savings. I wish to building a maximum corpus in next 20 years. Kindly advise on the same Thank you
Ans: First of all, congratulations on being financially disciplined at the age of 28. Your ability to save a significant portion of your income is commendable. Let’s delve into your financial situation and explore ways to maximise your corpus over the next 20 years.

Current Financial Overview
You are earning Rs 33,000 per month and spending Rs 15,000, allowing you to save Rs 18,000 monthly. You have a diversified portfolio including equity investments, mutual funds, fixed deposits, postal schemes, and savings. Additionally, you have health insurance and live in a debt-free house. These are excellent foundations for building wealth.

Emergency Fund and Insurance Coverage
An emergency fund is crucial. You have Rs 1.5 lakhs in savings and Rs 3 lakhs in fixed deposits, which is a good start. Aim to maintain an emergency fund that covers at least six months of your expenses. This ensures you have a safety net in case of unexpected events.

Health insurance is another critical aspect. You currently have a coverage of Rs 2 lakhs. Considering rising medical costs, it is advisable to enhance your health insurance to at least Rs 5 lakhs. This additional coverage can provide better protection against unforeseen medical expenses.

Investment Portfolio Analysis
Equity Market Investments:

You have Rs 80,000 invested in the equity market. Equity investments can provide significant returns over the long term but come with higher risk. Regularly monitor your investments and ensure they align with your risk tolerance and financial goals.

Mutual Funds:

You have Rs 1,30,000 invested in a mix of four equity mutual funds and one hybrid mutual fund, with a SIP of Rs 1,500 in the ICICI Value Discovery Fund. Diversifying across different types of funds can reduce risk. However, actively managed funds often outperform passive index funds due to professional management and market expertise.

Consider consulting with a Certified Financial Planner to review the performance of your mutual funds and make adjustments if necessary. Regularly rebalancing your portfolio ensures it remains aligned with your financial goals and market conditions.

Fixed Deposits and Postal Schemes:

You have Rs 3 lakhs in fixed deposits and Rs 50,000 in a postal scheme. While these provide safety and assured returns, their growth potential is limited. Given your long-term horizon, you might want to shift a portion of these funds into higher-growth investment options such as equity mutual funds.

Maximising Savings and Investments
Systematic Investment Plan (SIP):

Your current SIP of Rs 1,500 in the ICICI Value Discovery Fund is a good start. SIPs help in averaging the cost of investments and mitigate market volatility. Increasing your SIP amount can significantly enhance your corpus over time. Given your ability to save Rs 18,000 monthly, consider allocating a larger portion to SIPs in various mutual funds.

Benefits of Regular Funds Over Direct Funds:

Direct funds might seem appealing due to lower expense ratios, but they require constant monitoring and expertise. Regular funds, managed by a Certified Financial Planner, provide professional guidance, periodic reviews, and rebalancing of your portfolio. This can lead to better-informed decisions and potentially higher returns.

Diversification and Risk Management
Asset Allocation:

A balanced asset allocation strategy can help manage risk and optimise returns. Consider spreading your investments across different asset classes such as equities, debt, and gold. This diversification can protect your portfolio from market fluctuations.

Review and Rebalance:

Regularly review your investment portfolio to ensure it stays aligned with your goals. Rebalancing involves adjusting the weightage of different asset classes based on their performance and your risk tolerance. This practice helps maintain the desired risk-reward balance.

Retirement Planning
Starting Early:

Starting your retirement planning early gives you a significant advantage due to the power of compounding. With a 20-year investment horizon, even small, regular contributions can grow substantially. Consider investing in a mix of equity and debt mutual funds tailored to your risk profile and retirement goals.

Retirement Corpus Estimation:

Estimate your retirement corpus based on your future financial needs, considering factors like inflation and lifestyle changes. Use retirement planning tools or consult a Certified Financial Planner to determine the amount required and devise a strategy to achieve it.

Tax Planning
Utilising Tax Benefits:

Utilise tax-saving investment options under Section 80C, such as Equity-Linked Savings Schemes (ELSS), Public Provident Fund (PPF), and National Savings Certificate (NSC). These not only help in tax saving but also provide good returns over the long term.

Efficient Tax Management:

Efficient tax planning involves strategically investing in tax-saving instruments and ensuring optimal use of available deductions. Regularly reviewing and adjusting your tax planning strategies can enhance your post-tax returns.

Long-Term Investment Strategies
Compounding Power:

Leverage the power of compounding by staying invested for the long term. Compounding can significantly boost your returns, especially when you reinvest the earnings from your investments. The longer your investment horizon, the more you benefit from compounding.

Avoid Timing the Market:

Market timing is challenging and often leads to suboptimal returns. Focus on a disciplined investment approach rather than trying to predict market movements. Regular investments through SIPs and staying invested through market cycles can yield better results.

Financial Discipline and Monitoring
Staying Committed:

Financial discipline is crucial for achieving your goals. Stick to your savings and investment plan, and avoid unnecessary expenses. Regularly track your progress and make adjustments as needed.

Periodic Reviews:

Conduct periodic reviews of your financial plan to ensure it remains relevant and effective. Life events and market conditions can impact your financial situation, so it’s essential to adapt your plan accordingly.

Final Insights
Building a significant corpus over the next 20 years requires a disciplined approach, strategic planning, and regular monitoring. Your current financial habits are commendable, and with some adjustments, you can further enhance your investment portfolio.

Consider increasing your SIP contributions, diversifying your investments, and enhancing your health insurance coverage. Regularly review and rebalance your portfolio to stay aligned with your goals. Efficient tax planning and leveraging the power of compounding will also play a crucial role in achieving your financial objectives.

Consulting with a Certified Financial Planner can provide professional guidance and help optimise your investment strategy. Stay committed to your financial plan, and you’ll be well on your way to building a substantial corpus for your future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Career Counsellor - Answered on Nov 01, 2024

Asked by Anonymous - Oct 23, 2024Hindi
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Hello Sir/Madam, My son is in 10th standard and interested in Geography. He wants to make a career in Geography. Please advise what are the different career options if he wishes to pursue in this field, especially Geoinformatics. Thanks in advance.
Ans: Here are some suggestions for your Son who is interested in building a career in Geography.

Academic Pathways: 11th & 12th Grade: Geography and Science subjects can be combined. Undergraduate Studies: B.A./B.Sc. in Geography or B.Sc. in Geoinformatics are ideal. Postgraduate Studies: M.Sc. in Geoinformatics, Remote Sensing, or GIS.

Career Options:
(1) Geoinformatics and GIS Specialist: Manage and analyze spatial data for urban planning, agriculture, environment conservation, and disaster management.
(2) Cartographer: Create digital maps and models using satellite data.
(3) Remote Sensing Analyst: Analyze land usage, environmental changes, and agricultural patterns.
(4) Urban and Regional Planner: Use GIS to design sustainable urban infrastructure.
(5) Environmental Consultant: Use geospatial data to assess environmental impact.
(6) Surveyor and Geodesist: Measure Earth’s shape for infrastructure development or scientific research.
(7) Academia and Research: Opportunities in teaching Geography or researching climate change, ecosystem management, or spatial technologies.

Relevant Skills and Certifications: GIS Software Proficiency: Knowledge of GIS software like ArcGIS, QGIS, and ERDAS, Programming and Data Analysis: Basic understanding of Python or R, Remote Sensing: Familiarity with remote sensing technologies.

Key Institutes for Geography and Geoinformatics in India: Indian Institute of Remote Sensing (IIRS), Dehradun, Indian Institute of Technology (IIT), Symbiosis Institute of Geoinformatics, Pune, University Departments: Jawaharlal Nehru University (JNU), Delhi University, and Madras University.

Emerging Areas and Career Prospects: Smart Cities and Urban Development, Climate and Environmental Studies, Agriculture and Natural Resources Management.

Professional Certification Programs: Organizations like the Indian Society of Remote Sensing (ISRS) and the Geographic Information System Certification Institute (GISCI). All the BEST for Your Prosperous Future.

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Insurance, Stocks, MF, PF Expert - Answered on Oct 31, 2024

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What is the expected monthly rental from industrial plot and machinery?

Are you currently occupying one of the flats mentioned here or are all of them given on rent?

Also your term life insurance is very low. You should have minimum term insurance cover of 2.4 Cr.

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Considering the home loan tenure of 17 years and 3 small kids in the family to be supported for education and decent lifestyle, I am not sure if you can retire in 7 years timeframe from now.

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