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31-Year-Old Woman Rejected After Investing Time and Emotion: What Should She Do?

Ravi

Ravi Mittal  |618 Answers  |Ask -

Dating, Relationships Expert - Answered on Apr 07, 2025

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Asked by Anonymous - Apr 06, 2025Hindi
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Relationship

Hi, I'm 31yrs old lady from India, my parents are searching for marriage proposals for me since 4yrs, but due to numerous reasons like different career or dowry or my appearance, none were successful. And I din invest my time in knowing about the past proposals personally. However, recently my parents came to me with a proposal- guy settled abroad and told me he will talk to me. Before I tell yes I researched about how I can relocate to the place where he is by contacting the different institutions from his place as our both career fields were totally different I knew he won't be on much help if I have to get job aftr marriage at his place in abroad. In the meantime, he had texted me, whenever he texts it will be on weekends..and first time when he texted I had replied 2hrs late bcz of our different time frame in our locations. But after i replied his message came aftr few hours telling he is not well so he will call later. So his next text was a week later on weekend. That day since I was busy for half a day, we spoke aftr my work. The call lasted for 30min with basic Convo about our job, hobbies, culture at his place etc. and the call ended with him telling we shall talk again and he ll inform his parents abt our talk. It was voice call, we saw each other only in photos. So I waited again for a week for his call or text but I was told by my dad that his dad informed that they won't proceed further. Now, here I am invested my talk and thoughts for nearly 3-4weeks and thinking abt my future with him, in addition I liked the guy because of his politeness and understanding nature and was hoping for this proposal to work. Now, even aftr a month of this rejection, I am still hoping for a miracle to happen and he comes back to my life. I am hoping he can try to understand me better before telling no. I want to know the reason for his rejection too. I have the urge to reach out to him, text him and ask his reasons and to ask if there is any chance to change it to yes. What should I do?

Ans: Dear Anonymous,
I understand it must be confusing- you spoke to him and from your perspective, things went smoothly and yet they dropped the proposal abruptly. But here’s the catch- it might not have been the same experience for him. As you mentioned, you had basic conversations; is it possible that he was hoping to connect with you more in the three weeks’ time? We can’t say for sure what was the reason, but one thing I can tell you is that you deserve someone who does not need convincing to marry you. I know you were invested in him, but it is much better to lose those three weeks than settle for a marriage where both partners are not on the same page. Please understand your worth. I can’t stop you from contacting him or asking them what went wrong, but I can certainly advise you against it. You will get better alliances. Also, I want you to understand that you are only 31; you are still so young. Do not settle for anything less than the one who's best for you!

Best Wishes.

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Shalini

Shalini Singh  |169 Answers  |Ask -

Dating Coach - Answered on Apr 17, 2024

Asked by Anonymous - Apr 16, 2024Hindi
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Hi Mam, I wanted to keep it anonymous. I am 26years old female, my parents are looking for a suitable alliance for me. They came with a proposal from a guy's family and they wanted to have a formal meet in a temple. We all met in the temple the guy's family looked good they talked in a nice manner myself and the guy had a seperate conversation. Before going his parents told that he is an introvert and wont speak much. while we went to talk i was the one asking him questions and he only replied for that and inturn asked me the same question. I am an extrovert so i did the most of the talking part i didnt wanted to make the convo boring without answering anything so i was coming up with new questions. We spoke for around 10-15mins and then went to the place where our parents were sitting, his parents asked me to tell the answer immediately but i told them that i will tell the decision once i reach home. His parnets talked to him seperately and asked him the decision and he said yes it seems. We left the temple then, after two days when my parents asked me what was my decision i told them that though he is a nice guy i cant see him as my partner and if were to marry him that would be for your happiness i will not be able to marry him whole heartedly was my answer, then my parents spoke to his parents and told that if you want to talk to him again meet him somewhere and then talk and decide. I thought okay lets give it a try and said yes, we met after a week in a cafe. He initially asked me about my work and then i asked the same after that again he didnt speak much, i always wanted my partner to speak and have fun conversation with me. Though its our second meet i wanted him to atleast talk little bit that the first one but he didnt do much talking part. I was again talking and we left after 30mins. My parents were trying to convince me a lot, i told them that my intuition doesn't work with this guy(I am firm believer of intuition i have been doing things based on my intuition only) but my parents were trying to convince me telling you dont know what you want we will only know what you want, you will be happy if you marry this guy. But my soul doesnt want to marry this guy it seems im not able to accept my parents convincing words. If i were to marry him that will only be my parents choice and not my choice. What should i do now?
Ans: Well, this conversation requires a discussion - but I will attempt responding based on what you have shared. You should know introverts take time in opening up...and that should be respected. Its possible when you know each other, he may still not open up with others, but with you he is talkative. What is bothersome here is you intuition, your 6th sense - which makes you uncomfortable - question it, why do you think that is the case. If I was in a similar situation I would have asked to meet this gentleman 3-4 times more - and would observe more and talk less :)....maybe listen more and ask fewer questions. If you do meet him ask him what is making him say yes. Let him know that it bothers you that he responds in short sentences. But after that play games together - from board games to games like 3 things you wish to have in your partner to 3 qualities you wish you partner works upon. You need to answer this as well. Ask him his 3 strengths and share yours, share personality traits you need to work on and ask his.....keep the conversations light and fun....and then question your intuition again...and if it does not agree then do what works for you. Make parents sit down and explain it to them without getting emotional or raising your voice. Hope this helps.

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Anu

Anu Krishna  |1647 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 11, 2024

Asked by Anonymous - Jun 05, 2024Hindi
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Relationship
Hi ma'am, thank you so much for helping people with your answers. My question Im 27, F I met a guy through arranged marrage proposal, initially was not very ok because of which I postponed telling my decision for 2 weeks. Then we both spoke and i said yes, next week he called my father and said he is looking to get married to someone who is financially rich, I was totally taken back because when he spoke he seemed very genuine and promising i called and spoke to him he says he is still in growing state so he needs some financial aid from his inlaws, i said I have a job I can support him, he said give me a weeks time to decide, next week he called me and said he is ok with the marriage in the ground that I will work and support, I SAID HIM PLS ALLOW ME SOMETIME TO DECIDE, AS THIS IS NOt SCHOOL, COLLEGE OR JOB DECISIONS. When I called after 1 week he is not taking my calls, by my sentance i meant school, college or job can be left if not interested but marriage is not like that. Am wondering if he understood this as what if this girl has multiple relationship in school/college/job... And am assuming he did not take my call for this statement of mine? Please help me come out of this confusion, are my words very stupid? My family is scolded and blaming me because I delayed it for 2 week.. Mentally exhausted with all the arranged marriage rejection...and is it worth to get married at 27?? Awaiting for your answers
Ans: Dear Anonymous,
I am glad that he is out of this equation...
Which mature man will act the way that he did simply because you requested for time? And then now, you are wondering if it was your fault?
What sort of condition was that about wanting financial aid from his future in-laws? A marriage under any condition will not work as it depends on things external. Where is the time to build trust and love when there are superficial conditions present?
You have not been rejected, you have rescued yourself from a relationship with an immature man. So, pat yourself in the back and value yourself first.
The right person who will appreciate you will come along...start to appreciate yourself...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Ravi

Ravi Mittal  |618 Answers  |Ask -

Dating, Relationships Expert - Answered on Jul 01, 2024

Asked by Anonymous - Jun 29, 2024Hindi
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Relationship
Around 2022, I got a marriage proposal from a mutual acquaintance of a guy who us also known to my family . At that time I was in a relationship with someone else so my family told that I am currently focusing on my studies . But recently , I am single and saw his account on social media . We started chatting with each other and I realised that we are conpatible in many aspects . But after some days ... my mother started pressuring me that they will start to see marriage prospects for me. Also I felt that he also feels the same for me because how he talked to me... So out of pressure ,I asked him and told about my feelings for him and told why it will be profitable if we consider ourselves as a couple .He told that he has a lot of pressure from his family to settle for a well paying job (though he is working in a private company)and also wants to focus on his passion too. Also he had brojen his heart 2 times. Although he assured that he is not saying no and also he would think over this proposal and would give me an answer . But the next day I saw he blocked me from social media . I would have appreciated if he had an open communication with me as I had the same . Btw now he is 27 and I am 23 .
Ans: Dear Anonymous,

I am very sorry to hear that you had to go through this. Some people do not have the emotional maturity to say a simple no or speak their truth. He might not have wanted to make things awkward or thought he was sparing you some pain but ultimately that isn't the case. But the important thing to remember here is that his action reflects on him and what kind of a person he is; it does not highlight your worth. I know it hurts right now, but it will get better and you will find someone who loves you.

Best Wishes.

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Hello Sir, my son is pursuing 12th in PCM. He holds usa citizenship but studying in India from last 10 years. We prefer to go through nri quota like dasa. Please advise what other options we can look after. Thank you
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My son has got mechanical in VIT Chennai while his preference is CS. What are the placement options in mechanical
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Asked by Anonymous - Jul 16, 2025Hindi
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I have got cse in coep pune, and cse in jaypee noida. Which one to choose
Ans: COEP Pune and Jaypee Institute of Information Technology (JIIT) Noida both deliver strong CSE programmes, yet they differ across accreditation, ranking, faculty, infrastructure, research, placements, industry linkages, fees, campus environment and location. COEP Pune holds ‘A+’ NAAC accreditation and a NIRF engineering rank within the top 100, while JIIT Noida is NBA-accredited (Tier-I) with NAAC ‘A’ grade and NIRF rank in the 101–150 band. COEP’s core faculty comprises PhD-qualified professors with extensive academic and industry research, whereas JIIT’s predominantly doctorate faculty emphasize applied IT research and publications. COEP offers 17 specialised computing labs plus a dedicated data-centre and legacy smart classrooms, while JIIT provides 102 state-of-the-art labs, a 700-user digital library and advanced language, electronics and psychology labs. In research and innovation, COEP benefits from government-sponsored projects (DST, DRDO) and industry grants, whereas JIIT hosts multiple Centres of Excellence (Cloud, IPR, AI) and interdisciplinary patents. COEP CSE placements average 87% with a median package around ?9–11 LPA from Google, Goldman Sachs and IBM, while JIIT CSE achieves over 94% placement consistency and median package near ?7 LPA, hosted by Microsoft, LinkedIn and Cisco. COEP’s longstanding MoUs include Intel, Bosch and Infosys for internships; JIIT partners directly with Amazon, SAP and American Express for capstone projects. Annual tuition at COEP is approximately ?90 K for Maharashtra-domicile students; JIIT’s fee exceeds ?2.5 L per year but includes accommodation and medical support. COEP’s urban Shivajinagar campus emphasizes a vibrant student life with over 40 clubs and heritage architecture; JIIT’s Sector 62 Noida campus spans 15.5 acres, featuring a residential zone, sports complex and shuttle connectivity to Delhi.

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Ramalingam

Ramalingam Kalirajan  |9755 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 2025

Money
Hi sir my name is raju 29 years, married and have 3 years kid(boy). My salary is 125000 per month I want to invest money for my chaild education and our retirement also I am thinking to invest 20 to 30k in mutual funds is this below funds are good please let me know and I also taken health insurance and term insurance also for that per year 45k I will pay yearly 60k in nps and we have savings 30lacks to buy house or land in coming months my wife was earning 30k per month. Parag parikh Nifty 50 BEes Nifty Next (optional) SBI contra
Ans: You're earning well and already thinking long-term, which is great. Let’s look at your financial goals, savings, and plan from all angles.

? Income and Household Financial Standing
– Your monthly salary is Rs. 1,25,000.
– Your wife earns Rs. 30,000 monthly.
– Your total monthly family income is Rs. 1,55,000.
– You are aged 29, married, with one child.
– You’ve already taken term and health insurance. Well done.
– Your annual premium of Rs. 45,000 is well justified.
– These protections reduce risk in emergencies.
– You save around Rs. 60,000 yearly in NPS.
– You have Rs. 30 lakhs savings for home or land.

? Existing Asset Strategy
– Rs. 30 lakh savings is a big milestone.
– Don’t rush into buying property.
– Real estate gives low returns, high costs, and poor liquidity.
– It locks up money for long and needs extra cash to maintain.
– Avoid using this full amount for a house.
– Consider investing part in mutual funds for better returns.
– Always check whether buying or renting suits your goals.
– Flexibility, liquidity, and simplicity matter in financial planning.

? Investment Approach You’re Considering
– You plan to invest Rs. 20,000–30,000 per month in mutual funds.
– This is a strong start for wealth creation.
– You mentioned some index funds and one contra fund.
– Let's review and guide you based on financial goals.

? Disadvantages of Index Funds You Mentioned
– Index funds copy the market, nothing more.
– They don’t try to beat the market.
– They offer no downside protection during crashes.
– Index funds don’t adapt to changing market cycles.
– Active funds are managed by skilled fund managers.
– Managers in active funds aim for better returns than index.
– Index funds offer no help in bad markets.
– They follow blindly without discretion.
– Avoid index funds if you want active management.
– Your mentioned funds like Nifty 50 Bees and Nifty Next fall here.
– Instead, choose actively managed diversified funds.
– These funds perform better over time with lower risk.
– They help adjust based on sectors, economy, and valuation.

? Long-term Goals to Focus On
– Your two main goals are child education and your retirement.
– Both are long-term goals and need early planning.
– Equity mutual funds are best for these goals.
– Start with Rs. 25,000 monthly in SIPs.
– Allocate Rs. 15,000 for child education fund.
– Allocate Rs. 10,000 for your retirement fund.
– Use actively managed funds guided by a CFP.
– Don’t invest in direct mutual fund plans.

? Why Avoid Direct Funds
– Direct plans offer no personal advice or periodic review.
– It’s like driving without a map.
– Many investors make mistakes without proper help.
– Wrong fund choice, emotional exits, or overexposure are common.
– Regular plans through MFD with CFP support avoid these issues.
– They offer coaching, guidance, and behavioural discipline.
– Performance reviews and course corrections are done on time.
– Long-term investing is more about staying invested than just choosing funds.
– A certified financial planner helps with that clarity and accountability.

? Child Education Planning – First Goal
– Your son is 3 years old now.
– You have 14–15 years to build a good fund.
– Education costs double every 7–8 years.
– Start SIP of Rs. 15,000 monthly in growth-oriented equity funds.
– Don’t choose child insurance policies or ULIPs.
– They underperform and are not flexible.
– Actively managed diversified funds give better growth over time.
– Review your investments every year.
– Increase SIP amount every year when income increases.
– Use goal-based approach. Don’t mix short-term needs.

? Retirement Planning – Second Goal
– You’re 29 now. Retirement is 30 years away.
– Time is your best friend here.
– You already invest Rs. 60,000 yearly in NPS.
– NPS gives tax benefit under Sec 80CCD(1B).
– But NPS alone is not enough.
– Add mutual fund SIP of Rs. 10,000 monthly for this goal.
– Choose actively managed hybrid and large cap funds.
– These give long-term wealth creation and inflation beating growth.
– Avoid ULIP pension plans or annuities.
– They are rigid, low-return and not liquid.
– Mutual funds give flexibility and smart asset allocation.

? Health and Life Insurance
– You are already paying Rs. 45,000 yearly for health and term insurance.
– This is essential and correctly placed.
– Make sure health cover is Rs. 10 lakh or more.
– Include family in one family floater plan.
– Review sum insured every 3–4 years.
– Life cover should be 15–20 times your annual income.
– You can increase term insurance later if needed.

? Emergency Fund – Maintain Liquidity
– Emergency fund is important.
– Keep 6 months of expenses in savings or liquid funds.
– Don’t mix this money with investment money.
– This gives confidence to invest aggressively elsewhere.
– Emergency fund prevents loan dependency during crisis.

? Property Planning – Use Caution
– Rs. 30 lakh savings can buy land or flat.
– But don’t use full amount for it.
– Property is illiquid and needs maintenance and registration costs.
– It doesn’t give regular income unless rented.
– Focus on mutual fund investments first.
– Let your capital grow and become flexible.
– If you still buy, don’t borrow heavily for it.

? Tax Planning Strategy
– You already save Rs. 60,000 in NPS.
– That gives you benefit under 80CCD(1B).
– Term insurance premium covers part of 80C.
– Use balance of 80C for ELSS mutual fund SIP.
– ELSS gives tax saving and equity growth.
– Avoid traditional policies like LIC or endowment plans.
– They give low returns and lock money.
– Mutual funds give higher tax-adjusted returns.
– LTCG on equity mutual funds above Rs. 1.25 lakh is taxed at 12.5%.
– STCG is taxed at 20%.
– Debt mutual funds are taxed as per income slab.

? SIP Execution and Monitoring
– Don’t invest in many mutual funds.
– Choose 3 or 4 funds based on risk profile.
– Track SIPs once in 6 months or yearly.
– Avoid changing funds too often.
– SIPs work best when continued for long.
– Use MFD channel with CFP for execution.
– Regular review, rebalancing, and guidance are important.

? Behavioural Discipline Matters
– Markets go up and down.
– Don’t stop SIPs during correction.
– That is when you accumulate more units.
– Keep calm and stick to the plan.
– Long-term success needs patience and trust in the process.
– Stay invested and don’t react emotionally.
– A CFP gives behavioural support during tough times.

? Family Financial Planning
– Involve your wife in financial discussions.
– Keep joint goals for future.
– Plan for child’s education, travel, retirement and healthcare.
– Write a will or basic nomination now itself.
– Keep all investments in joint or nominee mode.

? Asset Allocation Balance
– Don’t invest in only one asset type.
– Use equity, hybrid, liquid and EPF in right mix.
– Overexposure to land or gold limits flexibility.
– Equity mutual funds grow capital.
– Debt and liquid funds give short-term stability.
– Review asset mix yearly.

? Final Insights
– You are taking the right steps early.
– Your goals are clear and achievable.
– Avoid index and direct mutual fund options.
– Use actively managed funds via a MFD with CFP.
– Don’t get stuck in illiquid property assets.
– Keep investing regularly and review yearly.
– Focus on discipline, guidance, and simplicity.
– You are on the right path to build wealth.
– Stay consistent and take help when needed.

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

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Ramalingam

Ramalingam Kalirajan  |9755 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 16, 2025

Asked by Anonymous - Jul 16, 2025Hindi
Money
Hi, I am 36 years my total income, expenses & investments are as below. Family income (wife 35000 & 105000) = 140000. Mortgage EMI: 67000 for another 3 years. House rent & expenses 30000. Fisical Gold invest: 10000 per month Term Insurance: 1cr Gold loan 200gm : 6 lakhs Epf: 10 lakhs Property plot: 1cr (1500sqrft) Emergency fund: 50k Future plan: 1. 1 year old daughter future plan. 2. Construction building for 3floors to get rental income. When should start and what are the options for 1.5crs loan. 3. Retirement plan.
Ans: Monthly Cash Flow Assessment
– Your family income is Rs. 1,40,000.
– Mortgage EMI is Rs. 67,000 for 3 more years.
– Rent and expenses are Rs. 30,000.
– Gold investment is Rs. 10,000.
– That leaves around Rs. 33,000 surplus monthly.
– This surplus needs smart allocation for all future goals.
– Your expenses are well-managed. That is a strong starting point.

? Existing Assets and Liabilities
– You have Rs. 10 lakh in EPF. Good long-term asset.
– Property plot worth Rs. 1 crore is a valuable asset.
– Emergency fund is only Rs. 50,000. That is low for a family.
– Gold loan of Rs. 6 lakh on 200g gold is active.
– You have Rs. 1 crore term insurance. That’s essential and well-done.

? Emergency Fund – Strengthen It
– Ideal fund should cover 6 months of expenses.
– Your family needs Rs. 1.2 to 1.5 lakh in emergency fund.
– Boost this first before increasing other investments.
– Use a mix of bank FD and liquid mutual funds.
– Don’t ignore this step. It offers peace of mind.

? Your Daughter’s Future Planning
– You have 17+ years for her higher education.
– Cost of education is rising faster than inflation.
– You must begin a monthly SIP in diversified equity funds.
– Actively managed funds are better than index funds.
– Index funds do not protect in falling markets.
– Index funds lack professional fund manager’s timely decisions.
– Active funds can adapt to changing market cycles.
– A CFP-guided SIP approach ensures consistent returns.
– Start with Rs. 10,000 monthly SIP if possible.
– Increase SIP as EMI ends in 3 years.
– Review and rebalance annually with guidance.
– Avoid ULIPs, LIC plans, or traditional child policies.
– They underperform and offer poor flexibility.

? Construction Plan and Rs. 1.5 Crore Loan
– Construction loan of Rs. 1.5 crore needs proper planning.
– You plan to build 3 floors and earn rental income.
– This is an ambitious and practical idea.
– But timing and loan handling are key.

When to Start:
– Wait until EMI on home loan ends.
– That gives you extra Rs. 67,000 monthly.
– Use that cash to repay gold loan first.
– Clearing gold loan frees up your pledged gold.
– After that, you’re better positioned for new loan.

Loan Options & Suggestions:
– Choose a term of 15–20 years for construction loan.
– That keeps EMIs affordable and less stressful.
– Don’t overcommit. Ensure 40–45% of income to EMIs only.
– Use the plot as collateral.
– Explore joint home loan for better eligibility.
– Maintain high CIBIL score and consistent income flow.
– Keep margin money of 10–15% ready in hand.
– Start planning now but execute after gold loan is cleared.

Construction Steps to Prepare:
– Get property valuation and construction estimates.
– Prepare building approval and design papers.
– Avoid over-building. Focus on rental usability and demand.
– Reserve budget for interior and furnishing.
– Post-construction, rent should cover at least 60–70% of EMI.
– Get rental agreements and tenant screening system in place.

? Gold Loan Strategy
– 200 grams gold against Rs. 6 lakh loan is costly.
– Interest outflow eats your savings slowly.
– Prioritise repaying gold loan before construction loan.
– Use part of surplus plus any bonus to repay gold loan faster.
– Once mortgage EMI ends, use Rs. 67,000 monthly to clear it.
– Don’t keep gold loan for too long.

? EPF as Long-term Asset
– You have Rs. 10 lakh in EPF. That’s good.
– Continue contributing. Don’t withdraw for short-term goals.
– It compounds silently and supports retirement corpus.
– Review EPF statement annually for balance growth.

? Physical Gold Investments
– Rs. 10,000 monthly in gold is a sentimental plan.
– But don’t over-allocate here.
– Gold has low yield over long term.
– Treat gold as hedge, not growth asset.
– Reduce gold investment slowly after 3 years.
– Redirect funds to equity mutual funds for better growth.

? Retirement Plan – Start Early, Stay Consistent
– You are 36 now. Retirement is 20–25 years away.
– Ideal time to start building a strong retirement corpus.
– Your EPF will form one part of it.
– You need additional investments to match inflation.
– Start SIPs in actively managed hybrid and diversified equity funds.
– Begin even with Rs. 5,000–10,000 monthly if cash is tight.
– Gradually raise this SIP amount every year.
– Choose regular plans through MFD with CFP qualification.
– Avoid direct funds. They lack personalised advice and reviews.
– Regular plans offer ongoing handholding, periodic reviews, and course correction.
– Investing without review leads to bad outcomes.
– Don’t depend on annuity or pension policies.
– They are rigid and yield poor inflation-adjusted returns.
– A diversified MF portfolio offers better tax-efficient growth.
– After retirement, shift corpus slowly to hybrid funds for income.
– Avoid selling everything at once. Use SWP to withdraw.

? Tax Strategy – Reduce, Save and Optimise
– Use Rs. 1.5 lakh 80C limit smartly.
– EPF and term insurance already cover part of it.
– Invest the balance in ELSS for dual benefit.
– ELSS offers tax saving and equity growth.
– Avoid traditional insurance policies.
– For daughter’s plan, use non-tax saving diversified equity funds.
– Keep gold loan interest as deduction under 24(b) if eligible.
– Maintain file of all home loan and construction bills for tax purposes.

? Insurance – Adequacy and Coverage
– You already have Rs. 1 crore term cover.
– Check if it is 15–20 times your income.
– Increase sum assured after your new home loan.
– Buy health insurance for self, wife and daughter.
– Choose a family floater of Rs. 10 lakh minimum.
– Health expenses are rising fast in India.
– Employer cover may not be enough post-retirement.
– Buy separate personal health policy without delay.

? After EMI Ends – Rebalance Entire Plan
– In 3 years, EMI of Rs. 67,000 ends.
– That changes your cash flow dramatically.
– Use this to repay gold loan, increase SIPs and boost retirement savings.
– Avoid lifestyle inflation once EMI ends.
– Sit with a Certified Financial Planner and re-strategise.

? Rental Income Plan – What to Expect
– 3 floors can fetch good rent if location supports.
– Don’t overestimate. Always take conservative rent projections.
– Maintain the building to attract quality tenants.
– Rental income is taxable. Keep that in mind.
– Use a portion of rent to create sinking fund for repairs.

? Asset Diversification and Future Planning
– Your main assets are property, EPF, and gold.
– Add mutual funds now to balance asset allocation.
– Mutual funds are liquid, diversified and inflation-beating.
– Stay invested for long-term and avoid panic exits.
– Review goals once every year with a professional.
– Plan for daughter’s college abroad if needed.
– Consider travel, emergency, healthcare and lifestyle needs at retirement.
– Build financial independence. Don’t rely on children for support.

? Final Insights
– Your current structure is stable and promising.
– You’ve handled loans and expenses responsibly.
– Strengthen your emergency fund immediately.
– Clear gold loan before taking construction loan.
– Delay construction until EMI ends to avoid pressure.
– Start SIPs for daughter’s education and your retirement.
– Avoid index funds, direct funds and annuity plans.
– Stick with MFD-guided actively managed mutual funds.
– Keep insurance updated and separate from investments.
– Do regular reviews and plan every step wisely.

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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