I am 37yrs old, married for 6yrs now, my wife - 35yrs, having a kid of 14 months.We both are working. My wife is very dedicated person, and takes care of household . I respect her this attitude and try to contribute in whatever possible ways. My problem is - my brother in law(elder than my wife, and unmarried currently) is staying since 1.5yrs with us. Due to personality differences, it is not easy at all to get along in day to day activities with him. And, my wife gets upset if I hint her - to ask him stay separately. Please help me, how to make her realize this - as it is causing stress and it's not easy at all to continue like this for long.

Ans: Investment Plans for Your Child’s Higher Education
Investing early for your child's higher education is a wise decision. Starting now allows you to take advantage of compound interest, ensuring a substantial corpus when she reaches college age. Let’s explore various investment options that can help you achieve this goal.

Equity Mutual Funds
Equity Mutual Funds are an excellent option for long-term goals like your child's education. They offer higher returns compared to traditional savings schemes. Given the long investment horizon (17-18 years), you can benefit from the power of compounding and ride out market volatility.

Large Cap Funds: Invest in well-established companies with a track record of steady returns. They are less volatile than mid and small cap funds.

Mid Cap and Small Cap Funds: While riskier, these funds offer the potential for higher returns. Allocate a smaller portion of your portfolio to these funds for diversification and growth.

Systematic Investment Plans (SIPs)
Systematic Investment Plans (SIPs) allow you to invest a fixed amount regularly in mutual funds. This method is ideal for long-term investing as it averages out the cost of investments over time and reduces market timing risk.

Advantages: Disciplined investing, rupee cost averaging, and compounding benefits.
Public Provident Fund (PPF)
Public Provident Fund (PPF) is a safe and tax-efficient investment option with a long-term horizon. It offers attractive interest rates and the interest earned is tax-free.

Tenure: 15 years, which can be extended in blocks of 5 years.

Benefits: Safe investment, tax-free returns, and compounding benefits.

Child Plans from Insurance Companies
Child Plans offered by insurance companies are specifically designed to meet future educational expenses. These plans provide insurance cover and an investment component.

Types: Unit Linked Insurance Plans (ULIPs) and traditional endowment plans.

Features: Regular payouts during key educational milestones, life cover for the parent, and waiver of future premiums in case of the policyholder's untimely demise.

Sukanya Samriddhi Yojana (SSY)
While you mentioned excluding SSY, it's worth noting that SSY is a government-backed scheme offering attractive interest rates and tax benefits, specifically designed for the girl child’s future education and marriage expenses.

National Savings Certificate (NSC)
National Savings Certificate (NSC) is a fixed-income investment scheme that offers guaranteed returns and tax benefits.

Tenure: 5 years.

Benefits: Safe investment, guaranteed returns, and tax benefits under Section 80C.

Gold ETFs or Sovereign Gold Bonds
Gold ETFs and Sovereign Gold Bonds are effective ways to invest in gold without holding physical gold. They offer a hedge against inflation and portfolio diversification.

Gold ETFs: Trade on the stock exchange, offering liquidity and convenience.

Sovereign Gold Bonds: Issued by the government, providing interest payments and the benefit of capital appreciation.

Diversified Portfolio
Creating a diversified portfolio can mitigate risks and enhance returns. Here’s a suggested allocation:

Equity Mutual Funds: 50-60% for growth and compounding benefits.

PPF and NSC: 20-30% for stability and tax benefits.

Child Plans: 10-20% for targeted educational milestones and insurance cover.

Gold ETFs or Bonds: 5-10% for inflation protection and diversification.

Regular Monitoring and Rebalancing
Regularly monitor and rebalance your portfolio. Ensure that your investments align with your goals and risk tolerance. As your child approaches college age, gradually shift from equity to more stable, fixed-income investments to protect the corpus from market volatility.

Consulting a Certified Financial Planner
Engaging with a Certified Financial Planner can provide personalized advice tailored to your financial situation. They can help you create a comprehensive investment plan that aligns with your goals and risk tolerance.

Conclusion
By starting early and choosing a mix of investment options, you can build a substantial corpus for your child's higher education. Diversify your investments, monitor them regularly, and seek professional advice to stay on track. Your thoughtful planning will ensure a bright future for your daughter.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: Planning for Retirement Income
Congratulations on nearing retirement with a substantial corpus. Generating a steady income of ?1 lakh per month from a ?4 crore corpus is achievable with careful planning. Let's explore some investment possibilities to achieve this goal.

Diversified Investment Strategy
A diversified investment strategy can help manage risk and provide a steady income. Consider a mix of the following:

Fixed Deposits and Debt Funds
Fixed Deposits (FDs) and debt funds offer stability and guaranteed returns. Allocate a portion of your corpus to FDs and high-quality debt funds to ensure a reliable income stream. Debt funds, especially short-term and ultra-short-term funds, offer better liquidity and tax efficiency compared to FDs.

Systematic Withdrawal Plans (SWPs) from Mutual Funds
Mutual Funds, particularly hybrid funds (balanced funds), can provide growth and income. Using a Systematic Withdrawal Plan (SWP) from these funds allows you to withdraw a fixed amount regularly. This method can offer both capital appreciation and regular income. Opt for funds with a good track record and consistent performance.

Monthly Income Schemes (MIS)
Post Office Monthly Income Scheme (POMIS) is a government-backed investment offering a fixed monthly income. It is a low-risk investment, suitable for retirees seeking guaranteed returns. The interest rates are periodically revised, and it provides assured returns.

Dividend-paying Stocks and Equity Funds
Investing in dividend-paying stocks or equity mutual funds with a focus on dividend yields can provide regular income. Although dividends are subject to market risks, selecting well-established companies with a history of stable dividends can be beneficial.

Senior Citizens’ Saving Scheme (SCSS)
SCSS is a government-backed savings instrument specifically for senior citizens. It offers attractive interest rates and provides regular quarterly interest payments. The current interest rates are attractive, making it a viable option for a portion of your corpus.

Balanced Portfolio Allocation
To achieve an income of ?1 lakh per month, a balanced portfolio allocation is crucial. Here is a suggested allocation:

Fixed Deposits and Debt Funds: 30-40% for stability and guaranteed returns.

SWPs from Mutual Funds: 30-40% for growth and regular income.

Dividend-paying Stocks and Equity Funds: 20-30% for potential growth and dividend income.

Annuities and SCSS: 20-30% for guaranteed income.

Assessing Risk Tolerance
Evaluate your risk tolerance. Given your proximity to retirement, it’s advisable to lean towards conservative investments. However, a small exposure to equities can help combat inflation and provide capital growth.

Monitoring and Rebalancing
Regularly monitor and rebalance your portfolio. As you withdraw from your investments, it’s essential to review their performance and adjust allocations to maintain a balanced risk and return profile.

Consulting a Certified Financial Planner
Consulting a Certified Financial Planner can provide personalized advice tailored to your financial situation. They can help optimize your portfolio, ensuring it aligns with your risk tolerance and income requirements.

Conclusion
With a well-planned investment strategy, achieving a monthly income of ?1 lakh is feasible. Diversify your investments, assess your risk tolerance, and consult a Certified Financial Planner for tailored advice. Your diligent savings and thoughtful planning will help you enjoy a comfortable retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: Understanding Your Investment Portfolio
Your current investment portfolio showcases a diverse mix of funds, which is commendable. Starting late due to family responsibilities is common, and you have done well to begin investing for your future. Let's evaluate your portfolio and provide some insights for improvement.

Midcap Fund Investments
Midcap funds offer a balance between risk and return. They have the potential for higher growth compared to large-cap funds but come with greater volatility. Investing a significant portion in midcap funds can yield substantial returns if held over the long term. However, consider the associated risks and ensure this aligns with your risk tolerance and investment horizon.

Large and Midcap Fund Allocation
Your inclusion of large and midcap funds is a strategic move. These funds provide a balanced exposure to both stable large-cap companies and high-growth midcap companies. This blend helps in achieving moderate growth with controlled risk. This combination can work well in creating a robust and diversified portfolio.

Small Cap Fund Considerations
Small cap funds have high growth potential but are also the most volatile. Investing in small cap funds can lead to significant returns, especially over an extended period. However, be mindful of the high risk involved. Ensure this portion of your portfolio matches your risk appetite and long-term financial goals.

Flexicap Fund Benefits
Flexicap funds offer flexibility by investing across various market capitalizations based on market conditions. This provides a diversified exposure and reduces risk. Flexicap funds are suitable for investors seeking both growth and stability, as fund managers can dynamically adjust the portfolio.

Evaluating Risk Tolerance
Assess your risk tolerance carefully. At 55, your risk tolerance may be lower compared to younger investors. Your portfolio shows a mix of high, medium, and low-risk investments. It's crucial to balance the risk to ensure your investments align with your comfort level and financial goals.

Diversification Strategy
Diversification is a key strategy in minimizing risk. Your portfolio shows good diversification across different types of funds. This helps in spreading risk and reducing the impact of market volatility. Continue to review and rebalance your portfolio periodically to maintain optimal diversification.

Long-Term Investment Horizon
Your investment strategy should consider your retirement timeline and financial goals. Since you started investing recently, it's important to maintain a long-term horizon. Long-term investments have the potential to smooth out market fluctuations and yield better returns.

Reviewing Fund Performance
Regularly review the performance of your investments. This helps in identifying underperforming funds and making necessary adjustments. Consider consulting with a Certified Financial Planner to get a professional assessment of your portfolio’s performance.

Importance of Financial Goals
Clearly define your financial goals. Whether it’s retirement, children's education, or other milestones, having specific goals helps in planning your investments better. Align your portfolio to meet these goals within your desired time frame.

Role of a Certified Financial Planner
Engaging with a Certified Financial Planner can provide personalized advice tailored to your financial situation. They can help in optimizing your portfolio, ensuring it aligns with your risk tolerance, and achieving your financial goals.

Regular Fund Investments
Continue with regular investments. Systematic Investment Plans (SIPs) are an effective way to build wealth over time. They instill financial discipline and take advantage of market volatility through rupee cost averaging.

Final Thoughts
Your proactive approach towards investing, despite starting late, is admirable. Regularly review your portfolio, adjust as needed, and seek professional guidance to stay on track. A well-balanced and diversified portfolio, aligned with your risk tolerance and financial goals, will help you achieve your financial aspirations.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: I understand that managing multiple loan EMIs along with credit card expenses can be challenging, but with a strategic approach, you can effectively save money and improve your financial situation. Here are some steps to consider:

Evaluate Your Expenses
Genuine Compliments on recognizing the need to save money despite your financial commitments. Start by reviewing your monthly expenses, including necessities like rent, utilities, groceries, and discretionary spending. Identify areas where you can cut back or eliminate unnecessary expenses.

Prioritize Debt Repayment
Your home loan, personal loan, and credit card debts are likely accruing high-interest charges, making them priority areas for repayment. Allocate a significant portion of your monthly income towards clearing off these debts as quickly as possible to reduce interest payments and free up more money for savings.

Create a Budget
Develop a realistic monthly budget that accounts for your essential expenses, debt repayments, and savings goals. Stick to your budget religiously and track your spending regularly to ensure you're staying on track. Consider using budgeting apps or spreadsheets to streamline the process.

Emergency Fund
Building an emergency fund is crucial to cover unexpected expenses or financial emergencies without resorting to further borrowing. Aim to save at least 3-6 months' worth of living expenses in a high-yield savings account or liquid investment that you can easily access when needed.

Automate Savings
Set up automatic transfers from your salary account to a separate savings account or investment account each month. This "pay yourself first" approach ensures that you prioritize savings before spending and helps cultivate a consistent saving habit over time.

Review and Negotiate
Regularly review your expenses and look for opportunities to negotiate better deals or lower interest rates on your loans and credit cards. Explore options such as balance transfers or loan refinancing to consolidate debt and reduce interest costs.

Additional Income Streams
Consider exploring additional sources of income, such as freelancing, part-time work, or selling unused items, to supplement your salary and accelerate debt repayment. Every extra rupee earned can make a significant difference in achieving your financial goals.

Seek Professional Advice
As a Certified Financial Planner, I'm here to provide personalized guidance and support tailored to your specific financial situation and goals. I can help you develop a comprehensive financial plan that addresses debt management, savings strategies, and long-term financial security.

Conclusion
In conclusion, by prioritizing debt repayment, creating a budget, building an emergency fund, automating savings, reviewing expenses, exploring additional income streams, and seeking professional advice, you can effectively save money and improve your financial well-being despite your existing financial commitments.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: Absolutely, planning for your children's higher education is a wise decision that requires careful consideration and preparation. Let's discuss the factors involved in estimating the funds needed for their graduate/post-graduate studies in the US over the next 12-15 years.

Understanding the Cost of Higher Education
Genuine Compliments to your foresight in planning for your children's future education. It's crucial to recognize that the cost of higher education, especially in the US, has been rising steadily over the years. Tuition fees, living expenses, and other associated costs can vary significantly depending on the institution and the course of study.

Estimating Future Expenses
To estimate the funds needed for your children's education, consider factors such as:

Tuition Fees: Research the average tuition fees for undergraduate and postgraduate programs at reputable universities in the US. Factor in annual tuition fee increases.

Living Expenses: Account for accommodation, food, transportation, books, and other miscellaneous expenses. These costs can vary depending on the location and lifestyle choices.

Inflation: Factor in inflation to account for the rising cost of education over the next 12-15 years. Inflation can erode the purchasing power of your savings, so it's essential to plan accordingly.

Setting a Target Corpus
Once you have an idea of the potential expenses, calculate the total funds required for your children's education. You can use online calculators or consult with a Certified Financial Planner to estimate the target corpus based on your specific requirements and assumptions.

Saving and Investing Strategically
To accumulate the target corpus for your children's education, consider the following strategies:

Start Early: The earlier you start saving and investing, the more time your investments have to grow. Even small, regular contributions can accumulate significantly over time due to the power of compounding.

Systematic Investment Plan (SIP): Consider investing in mutual funds through SIPs to benefit from rupee-cost averaging and discipline in savings.

Diversification: Diversify your investments across different asset classes to spread risk and enhance returns. A mix of equity, debt, and other investment instruments can help you achieve your financial goals.

Adjusting for Contingencies
Life is full of uncertainties, and it's essential to prepare for unexpected events that may impact your ability to save and invest for your children's education. Build an emergency fund to cover unforeseen expenses and ensure financial stability during challenging times.

Seeking Professional Guidance
As a Certified Financial Planner, I'm here to provide personalized advice and guidance tailored to your specific financial situation and goals. I can help you create a comprehensive financial plan that includes provisions for your children's education while considering your overall financial objectives.

Conclusion
In conclusion, estimating the funds needed for your children's higher education requires careful consideration of various factors, including tuition fees, living expenses, inflation, and investment strategies. By starting early, saving and investing strategically, and seeking professional advice, you can better prepare for your children's educational aspirations.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: It's wonderful to see that you've taken proactive steps towards financial planning and have built a diversified portfolio across various investment avenues. Let's evaluate your current strategy and discuss how it aligns with your future financial goals, particularly your child's education and your retirement.

Assessing Your Current Strategy
PPF and FDs: These investments offer stability and security, but they may not provide optimal returns compared to other investment options over the long term. However, they serve as an essential part of your portfolio for capital preservation and emergency funds.

Mutual Funds: Investing in mutual funds provides diversification across different asset classes and the potential for higher returns compared to traditional fixed-income instruments like PPF and FDs. It's crucial to regularly review the performance of your MFs and ensure they align with your risk tolerance and investment goals.

NPS: The National Pension System (NPS) is a tax-efficient retirement savings scheme that complements other retirement funds like superannuation. It's a long-term investment aimed at building a retirement corpus, and its inclusion in your portfolio demonstrates a forward-looking approach to retirement planning.

Planning for Your Child's Education
Given that your child is one year old, it's essential to start planning for their education and higher studies early. Here are some considerations:

Education Fund: Consider creating a separate education fund or earmarking a portion of your existing investments for your child's education expenses. You can invest in growth-oriented instruments like equity mutual funds to build a corpus that grows over time and can fund their education expenses in the future.

Systematic Investment Plan (SIP): Since you're already investing 50K per month through SIPs, you can allocate a portion of this amount specifically towards your child's education fund. Regular contributions over time can help accumulate a significant corpus by the time your child reaches college age.

Retirement Planning
While you've mentioned having retirement funds like superannuation, it's essential to regularly review your retirement planning strategy to ensure it remains aligned with your retirement goals and lifestyle aspirations. Consider factors such as desired retirement age, expected expenses, inflation, and healthcare costs in your retirement planning process.

Review and Adjustment
Regularly review your investment portfolio and financial goals to make necessary adjustments based on changing life circumstances, market conditions, and investment performance. As your child grows older and your financial goals evolve, you may need to reallocate your investments or adjust your savings and investment strategy accordingly.

Seeking Professional Advice
Consider consulting with a Certified Financial Planner (CFP) who can provide personalized advice tailored to your specific financial situation, goals, and risk tolerance. A CFP can help you create a comprehensive financial plan that addresses your child's education needs, retirement goals, and other financial objectives.

Conclusion
In conclusion, your current investment strategy demonstrates a prudent approach to financial planning, encompassing a mix of conservative and growth-oriented investments. By continuing to save and invest systematically, planning for your child's education, and regularly reviewing your financial plan, you're well-positioned to achieve your long-term financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: Congratulations on planning for your early retirement! It's commendable that you're taking proactive steps to ensure a comfortable retirement lifestyle. Let's explore some strategies to invest your 2 crores and generate a monthly income of 1 lakh to meet your expenses:

Assessing Your Retirement Needs
Before deciding on investment options, it's crucial to assess your retirement expenses, risk tolerance, and investment horizon. Since you'll need 1 lakh per month for expenses, your investment strategy should aim to generate a sustainable and reliable income stream while preserving capital.

Investment Options
1. Systematic Withdrawal Plan (SWP)
Consider investing a portion of your 2 crores in mutual funds or balanced funds and setting up a systematic withdrawal plan (SWP). SWP allows you to withdraw a fixed amount regularly, typically on a monthly basis, while keeping the remaining investment invested to continue generating returns.

2. Dividend-Paying Stocks or Mutual Funds
Invest in dividend-paying stocks or mutual funds that focus on generating regular income through dividends. Dividend income can supplement your monthly expenses and provide a steady stream of income in retirement.

3. Rental Income from Real Estate
If you're open to real estate investments, consider purchasing rental properties that can generate rental income to cover a portion of your monthly expenses. Rental income can provide stability and inflation protection over the long term.

4. Fixed Deposits or Bonds
Allocate a portion of your retirement corpus to fixed deposits (FDs) or bonds to provide stability and capital preservation. While FDs offer fixed interest income, bonds provide regular coupon payments, which can supplement your monthly income.

Risk Mitigation Strategies
Diversification: Diversify your investments across different asset classes and investment vehicles to spread risk and reduce dependency on any single source of income.
Emergency Fund: Maintain an emergency fund equivalent to 6-12 months of expenses to cover unforeseen expenses and mitigate the need to liquidate investments during market downturns.
Regular Review: Monitor the performance of your investments regularly and adjust your withdrawal strategy as needed to ensure it remains sustainable over the long term.
Seeking Professional Advice
Consider consulting with a Certified Financial Planner (CFP) who can provide personalized advice tailored to your retirement goals, risk tolerance, and financial situation. A CFP can help you develop a comprehensive retirement income strategy and ensure your investments align with your objectives.

Conclusion
In conclusion, by diversifying your investments across SWP, dividend-paying stocks or mutual funds, rental properties, and fixed income instruments, you can generate a sustainable monthly income of 1 lakh to meet your post-retirement expenses. Remember to assess your needs, risks, and consult with a financial planner to create a customized retirement income plan.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: Thank you for reaching out. It's great to see your interest in diversifying your investment portfolio by transitioning from fixed deposits (FDs) to equity and mutual funds. Here are some recommendations for how you can allocate your Rs. 10 lakh investment:

Assessing Your Investment Horizon and Risk Tolerance
Before making any investment decisions, it's important to consider your investment horizon and risk tolerance. Since you're 47 years old, you may have a medium to long-term investment horizon, but your risk tolerance may vary depending on your financial goals and personal circumstances.

Portfolio Allocation
Equity Mutual Funds: Given your desire to transition from FDs to equity and mutual funds, consider allocating a portion of your investment (say, 70-80%) to equity mutual funds. Equity funds have the potential to deliver higher returns over the long term compared to FDs, albeit with higher volatility.

Debt Mutual Funds: Since you may prefer a more conservative approach, allocating a portion of your investment (say, 20-30%) to debt mutual funds can provide stability and income generation. Debt funds invest in fixed-income securities like government bonds, corporate bonds, and money market instruments, offering relatively lower risk compared to equity funds.

Recommended Options
Equity Mutual Funds:
Large-Cap Funds: These funds invest in well-established companies with a track record of stable earnings and dividends. They offer stability and growth potential.
Multi-Cap Funds: These funds provide exposure to companies across market capitalizations, offering diversification and flexibility to capitalize on market opportunities.
Balanced/Hybrid Funds: These funds invest in a mix of equities and debt instruments, providing a balanced approach to investing with potential for growth and income.
Debt Mutual Funds:
Short-Term Debt Funds: These funds invest in fixed-income securities with shorter maturities, offering stability and relatively lower interest rate risk.
Corporate Bond Funds: These funds primarily invest in corporate bonds issued by companies, offering potentially higher returns compared to government securities.
Risk Mitigation Strategies
Systematic Investment Plan (SIP): Consider investing your lump sum amount through SIPs over a period of time to average out market fluctuations and reduce timing risk.
Diversification: Diversify your investments across different asset classes, fund categories, and fund houses to spread risk and enhance potential returns.
Regular Review: Monitor the performance of your investments regularly and rebalance your portfolio if needed to ensure it remains aligned with your financial goals and risk tolerance.
Seeking Professional Advice
Consider consulting with a Certified Financial Planner (CFP) who can provide personalized advice tailored to your financial goals, investment horizon, and risk tolerance. A CFP can help you construct a well-diversified investment portfolio and navigate the complexities of equity and mutual fund investing.

Conclusion
In conclusion, by diversifying your investment portfolio across equity and debt mutual funds, you can potentially enhance returns while managing risk. Consider your investment horizon, risk tolerance, and financial goals when making investment decisions, and seek professional advice if needed to ensure your investment strategy aligns with your objectives.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: Volatility in mutual funds is a natural part of the investment process, and while it can be unsettling for some investors, there are several reasons why one should not be overly concerned by it:

Long-Term Perspective: Mutual funds are typically long-term investments designed to help investors achieve their financial goals over time. Short-term fluctuations in the market are often smoothed out over longer investment horizons.

Diversification: Mutual funds invest in a diversified portfolio of assets, spreading risk across different securities and sectors. This diversification helps reduce the impact of volatility on overall portfolio performance.

Professional Management: Mutual funds are managed by experienced fund managers who actively monitor and adjust the portfolio to capitalize on market opportunities and manage risk. Their expertise and active management help navigate through market volatility.

Historical Performance: Despite periodic fluctuations, mutual funds have historically delivered attractive returns over the long term. By staying invested through market ups and downs, investors have the potential to benefit from the overall growth of the market.

Rupee Cost Averaging: Systematic investment plans (SIPs) allow investors to invest a fixed amount regularly, regardless of market conditions. This strategy of rupee cost averaging helps investors buy more units when prices are low and fewer units when prices are high, potentially reducing the impact of market volatility on overall returns.

Emotional Discipline: Reacting to short-term market fluctuations based on emotions can lead to poor investment decisions. By staying focused on long-term financial goals and maintaining discipline, investors can avoid the pitfalls of emotional investing.

In conclusion, while volatility in mutual funds may cause temporary fluctuations in portfolio value, investors should focus on the long-term perspective, benefits of diversification, professional management, historical performance, rupee cost averaging, and emotional discipline. By doing so, investors can ride out market volatility and stay on track to achieve their financial goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in