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Kanchan

Kanchan Rai  |519 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 26, 2024

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Asked by Anonymous - Sep 22, 2024Hindi
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Relationship

I am 52 year old female. I am a divorcee. I got married second time and it was the worst nightmare I went through. He was a hard core narcissist. I somehow stayed back for 4 years. Dont know why i kept on going back to him. It was a hard realization for me. He did everything possible to torture me and my daughter. Abuse, insults, gaslighting, manipulation, whatever one cannot imagine was done. I just hanged on coz i had nowhere to go at this age. This was an added advantage to him. He spoilt all my relationships at my back. I was completely choked living with him. But somehow I finally made some courage and left him forever not disclosing my details to anyone. I remained very isolated and moved to another city. I just ignored everything after that and blocked all his contacts. The main thing here is, it has been 4 years i came out of that relationship, got a divorce again which was very painful for me. But the thing is he has been sending messages for the last 4 years, all abusive language used. I am just ignoring things. Also i dont want to go to police or court coz I have had enough of all that throughout my life. Each time i block and ignore he uses a different number to message. Dont these people get tired doing all such things to another person. What kind of mentality is this. Because of all this I have kept myself isolated and dont mingle much with others. I lost everything Because of that man. Somehow got a job and surviving. I want to know what kind of people are these and what do they achieve doing all this. 4 years after leaving him i still keep getting messages though I maintained my privacy now.

Ans: For them, it’s about maintaining a sense of control, even if it means doing so through intimidation or manipulation. Abusive individuals with narcissistic traits are driven by an intense need for dominance, often unable to let go of those they once controlled. To them, harassment is a way of asserting that dominance, especially if they sense their target has gained any form of freedom or independence.

These behaviors stem from a place of deep insecurity masked by aggression, control, and a lack of empathy for the emotional and physical well-being of others. In their minds, harassment or abuse keeps the connection alive, no matter how destructive. Narcissistic individuals might not necessarily get tired of inflicting harm because, in a twisted way, it fulfills their need to feel powerful and in control. This behavior often extends over years for some abusers who refuse to let go.

Your resilience is remarkable, and choosing to move away and keep your details private was a courageous and necessary step for reclaiming your life. If you continue to receive these harassing messages, one option is to consider a digital harassment tracking tool, which could at least help you identify patterns or, if needed later, evidence if you ever decide to take a legal step. Some victims of abuse find that a written log of such instances can help them feel in control and serve as a reminder of their strength in managing each encounter without being drawn back in.

Building a support system slowly with people you trust or finding support groups for abuse survivors can provide comfort and encouragement, as isolation can be an unfortunate side effect of abuse. Re-engaging with supportive friends, therapy, or online communities for people recovering from narcissistic abuse could gently help you rediscover a world of safe and caring connections.

You may like to see similar questions and answers below

Anu

Anu Krishna  |1471 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 06, 2022

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Hi Anu, I would like to be anonymous.I got cheated by my boyfriend in my 20s and was in depression. My parents thought that it would be nice if I get married to someone who is elder to me and we'll settled.They got me a match who is 13 years elder than me. Joint family, one sister separated with her kid in the same house, one unmarried.I said yes but had the intuition that something is wrong. No one trusted me and I got married to the man. From Day 1, we were fighting. I tried to take help from my parents to get separated after a year but they didn't help me due to societal pressure. After my son born, he paid no attention towards my son and me for 7 months. But this time he told that he was busy at work. I returned to my in-laws.He tried to control everything –my friends, he restricted my social media accounts and also kept a screenshot of my conversation with my ex-boyfriend, threatening me to reveal it to my mom and dad. He also had the habit of not talking for 2-3 months in the same house. He did it for almost 10 years and pressurised me to have a second child. During my pregnancy, he yelled at me calling me mad and fought with me. He called my father and told him I am mad and sent me to my mom and dad again for delivery.Keeping my elder son for reference he tells to come back again. He doesn't provide any financial support and is threatening again with screenshots.He often checks my mobile without my permission affecting my BP. I don't know why? I lost my sleep at night for several months by now. I am not able to concentrate on anything. Negative thoughts occupy my mind. I have a kid of 1.5 years with me.Please help. I am mentally devastated. Thank you.
Ans:

Dear K,

What advice will you give a close friend if she came to you with the same problem that you have stated? Will you ask her to reconcile or keep her sanity intact?

Controlling the spouse is a classic way of coping for insecurity related issues within a relationship.

Being years older to you and having a young wife possibly might have given him goosebumps of you being attractive to people your age.

Whatever the reason, being passive aggressive and registering his insecurity through not talking for months, stalking you, monitoring your social media accounts, threatening to blackmail you with screenshots from your previous affairs; does it all sound like he is a person who you want to spend your life with?

If you still feel there is small chance and you want to, seek the help of a professional who can work with him and then the two of you to create an element of trust that is absolutely missing.

Any relationship that lacks trust, just crumbles as the foundation is weak and every little act that questions the other person’s integrity drives a further wedge.

You have a child that is dependent on you; be strong and whichever way that you choose, drive it…Inaction is what is causing you health issues, so do something NOW.

All the best and Be Strong.

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Love Guru

Love Guru   |204 Answers  |Ask -

Relationships Expert - Answered on May 13, 2022

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Dear Love Guru, First of all, I want to stay pretty anonymous. Secondly, it feels weird to discuss it with an unknown individual and never did I in my wildest dream thought that I would be seeking an advice. However, here I am...  The story starts when I met this individual in the UAE who is originally from UP, Saharanpur. This guy initially tried to get closer to me as much as he could and once he succeeded by becoming my close one, we just hit off pretty well. It went to point of engagement Roka. I wasn't there in India for Roka. It happened with him, his family and my parents. Everything was dreamy and nice until he started changing his behaviour towards my parents and then me, he was abusing me with money. He put me into credit card debts. I was feeling horrible. I started to revoke his access to my card, my everything, and I decided to call it a quit. In return when he understood that I am going to dump him he played his cards. As he couldn't find any cheating in my case when I was with him he decided to dig my past and started torturing me. He created a story to humiliate me at the work place and in front of people. He turned the tables by stating that I'm not dumping him rather he is. It was so heartbreaking for me. I left my job I left my life in the UAE all coz of this guy. And now after 2 months he is keeping an eye on me through to social media. Also he is trying to contact me by asking how I am. I don't understand what he wants and I am unable to recover.  Seeking your help.  Thanks. 
Ans:

Cut. Him. Off. Completely.

Block him on social media and on your cellphone. And your parents’ cellphones and their social media as well.

The guy is a con and you know it.

You should not have let his stupid rumours cost you your job and your life abroad. The truth of a situation always lets itself be known sooner or later and sometimes you have to brave it out.

I’m sorry to hear what you’ve been through, but you should freeze him out completely.

If you need to talk to someone about this at length, counselling may help.

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Anu

Anu Krishna  |1471 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 15, 2024

Asked by Anonymous - Jul 10, 2024Hindi
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Hi mam, I was in a relationship with a guy for 3 months he was uneducated but I’m a S.E. Initially everything was fine but later he started like u should not talk with other boys you should not go there you should not wear this kind of dress, I’m your husband so you should listen to me whatever I say u should do that like he started. Then he started mentally abused with so many bad words nd he slapped me twice. So I decided I don’t want to be in this relationship so I said him. Then he kept some fellows to follow me to check wat I’m doing where I’m going to get all these details. And then he said I will show both of our to your family, I will kill you like this he started. Now it is almost 2 year I’m leading my life but sometimes he will call me he will threaten me I don’t know what to do how to overcome this I can’t tell to my family I’m depressed can u please tell me what I have to do
Ans: Dear Anonymous,
Are you married? Because he said that he is your husband...I am confused...

Anyway, NO, he has no business controlling you this way...Emotional and Physical Abuse is a strict NO NO...
Tell your family and do that NOW!!!!!!!
This man seems to be acting in a violent manner and your safety should be more of a concern...it was 2 slaps, then after that? When you did not protest for that, he simply has got the message that violence is okay with you...
No, it's not okay, right? And that's why you wrote on this platform...

Do the right thing for yourself...Protect yourself from this person first! Threats of killing you did not set off alarm bells? Why are you still letting him off so easy? This is NOT love...he is just a familiar person to you.
Familiarity does not mean Safety!!!!!! (Read this again)...

Involve your family and let him know that you are not alone; he will stop his threats knowing that you will respond to the rubbish he is subjecting you to! Speak with your family...

All the best!
Dear Anonymous,
No, Age is not so important in a marriage; but if it isn't, then why did you hide the fact of your real age? You have givem it that importance enough to hide it, yeah?
And any relationship based on lies or a hidden fact can cause damages...
The only way that I can see is work with the Counselor and appeal to your husband as well. Tell him that your child needs the love of both parents. Hear what he has to say...and yes, he is bound to bring up the age factor over and over again...it is something that he feels cheated with...so, respect it...Like I said, Apologize like you really mean it...

And oh, why are you so bothered about how he will treat other women in his life? Just focus on your life and your marriage...

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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Ramalingam

Ramalingam Kalirajan  |7769 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 03, 2025

Asked by Anonymous - Feb 01, 2025Hindi
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I am 43 years old, has 50 lakh in PPF, FD and NSC. Another 26 Lakhs in Insurance which will be matured by next year. I have own house in Bangalore and get rent 15k and two plots worth 50 lakhs and 12.5 guntas land in Maddur Village. No EMI etc. I have school going kid, wife and my old parents. Have a medical insurance for all. My monthly expense is 60,000. Can I retire next year?
Ans: You are 43 years old and wish to retire next year.

Your financial assets include Rs 50 lakh in PPF, FD, and NSC.

You will receive Rs 26 lakh from an insurance maturity next year.

You own a house in Bangalore and earn Rs 15,000 monthly rent.

You also own two plots worth Rs 50 lakh and agricultural land in Maddur.

Your monthly expense is Rs 60,000, covering your family’s needs.

You have no EMIs, which is an advantage.

You have medical insurance for yourself and your family.

Understanding Your Retirement Corpus
Your liquid assets will be Rs 76 lakh next year.

Your rental income provides Rs 1.8 lakh per year.

Your real estate holdings are not income-generating.

Your expenses amount to Rs 7.2 lakh per year.

Inflation will increase your cost of living over time.

Your corpus should sustain expenses for the next 40+ years.

Analysing Whether You Can Retire Next Year
Income vs. Expenses
Your rental income will cover a small part of expenses.

Your investments must generate Rs 5.4 lakh annually.

Without active income, wealth depletion is a risk.

A well-structured investment strategy is needed.

Inflation Impact on Expenses
Inflation will erode purchasing power over time.

Future medical and lifestyle costs will rise.

Your corpus must grow above inflation.

Longevity and Financial Security
You may live for 40+ years post-retirement.

A corpus of Rs 76 lakh is insufficient for long-term stability.

More passive income sources are required.

Optimising Your Retirement Strategy
Delay Retirement for 3-5 Years
Working a few more years will strengthen your corpus.

Additional savings will improve financial security.

Investing during this period will compound wealth.

Shift to Income-Generating Investments
Your rental income is fixed but insufficient.

Invest in mutual funds for better returns.

Avoid keeping excess funds in low-yield instruments.

Withdraw from Real Estate Strategically
Your plots are non-income-generating assets.

Consider selling or leasing for passive income.

Reinvest proceeds in better financial instruments.

Risk Management for a Secure Retirement
Maintain an Emergency Fund
Keep at least 2 years’ expenses in liquid assets.

This ensures financial stability during market downturns.

Avoid dipping into long-term investments.

Adequate Health and Life Coverage
Your medical insurance should cover major treatments.

Increase coverage if needed for better protection.

Life insurance should secure dependents financially.

Asset Allocation and Rebalancing
Equity exposure should support long-term growth.

Debt investments provide stability for withdrawals.

Regular portfolio reviews will optimise risk and returns.

Tax Efficiency for Maximum Savings
Tax Planning for Investment Withdrawals
Equity gains above Rs 1 lakh attract LTCG tax.

Debt fund withdrawals have indexation benefits.

Tax-efficient withdrawals will extend corpus life.

Smart Tax-Saving Strategies
Use PPF, debt funds, and SCSS for stable returns.

Mutual fund investments provide better post-tax returns.

Avoid heavy tax burdens on premature withdrawals.

Finally
Retiring next year is financially risky.

Delaying by 3-5 years will ensure better security.

Investing wisely will maximise corpus longevity.

Generating passive income is crucial for sustainability.

Proper planning will ensure a stress-free retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

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Ramalingam

Ramalingam Kalirajan  |7769 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 03, 2025

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Hello sir, My retirement is due in July 2032 and wish to have corpus of 1.25 Cr for my post retirement life. Presently, I am investing INR 30000 per month in MF as SIP. The present fund value is INR 30 Lakhs. I have also started Step-up SIP of 3000 from Feb 2025 with increment of INR 3000 every year till Jan 2031. Will I able to achieve the target.?
Ans: Understanding Your Retirement Goal
You aim for a corpus of Rs 1.25 crore by July 2032.

Your current mutual fund investments stand at Rs 30 lakhs.

You invest Rs 30,000 per month in SIPs.

You have started a step-up SIP of Rs 3,000 from Feb 2025, increasing by Rs 3,000 yearly till Jan 2031.

Your strategy is disciplined and systematic, which is great.

Let’s assess if this plan will help you reach your goal.

Evaluating Your Current Investment Plan
Your existing SIPs and portfolio growth will contribute significantly.

The power of compounding will help boost your corpus over time.

Your step-up SIP strategy will increase investments, accelerating corpus growth.

Market volatility can affect returns, so diversification is key.

Your goal is achievable, but returns depend on market performance.

Key Factors That Impact Your Retirement Corpus
Investment Tenure
You have about 7.5 years left until retirement.

Long-term investments generally perform well, but shorter durations require better strategy.

A balanced allocation between equity and debt will ensure growth and stability.

Expected Rate of Return
Equity mutual funds historically offer strong returns over long periods.

Realistic expectations are crucial to avoid over-optimism.

A moderate-to-aggressive approach suits your timeline.

Inflation Consideration
Inflation erodes purchasing power over time.

Your corpus must account for post-retirement expenses.

A well-planned portfolio should grow above inflation.

Optimising Your Investment Strategy
Continue and Monitor SIPs
Stick to your Rs 30,000 monthly SIPs consistently.

Review fund performance annually.

If funds underperform for 3+ years, switch to better options.

Enhance Step-Up SIP Strategy
Your Rs 3,000 annual step-up is beneficial.

Consider increasing it to Rs 5,000 if feasible.

Higher contributions earlier will ease the pressure later.

Diversification for Stability
Invest across different fund categories for risk management.

Balance equity-heavy investments with some stable debt funds.

Asset allocation should align with risk tolerance.

Reduce Home Loan Burden
If possible, prepay some home loan principal.

Lower EMIs can free up cash flow for investments.

Avoid over-extending finances at the cost of liquidity.

Risk Management for Secure Retirement
Emergency Fund Maintenance
Keep 6-12 months’ expenses in liquid funds.

This ensures financial stability in case of market downturns.

Avoid using retirement funds for emergencies.

Adequate Health Insurance
Medical costs can be high post-retirement.

Ensure sufficient health coverage for yourself and dependents.

A Rs 15-25 lakh health cover is advisable.

Asset Rebalancing as Retirement Nears
As you approach 2032, shift some equity to safer debt funds.

This protects against last-minute market volatility.

Gradual transition ensures stability in the final years.

Post-Retirement Strategy
Systematic Withdrawal Plan (SWP)
Instead of withdrawing lump sum, use an SWP for steady income.

This ensures tax efficiency and continued investment growth.

Avoid premature withdrawal of mutual funds.

Senior Citizen Investment Options
Keep a portion of the corpus in safe instruments.

Senior Citizen Savings Scheme (SCSS) and debt mutual funds offer stable returns.

Maintain liquidity for unexpected expenses.

Tax Efficiency for Maximum Returns
Long-Term Capital Gains (LTCG) Planning
Equity gains above Rs 1 lakh per year attract 10% tax.

Use systematic redemption to optimise tax liability.

Invest tax-efficiently to retain maximum returns.

Retirement Tax-Free Instruments
PPF remains tax-free at maturity.

Debt mutual funds held long-term have indexation benefits.

Choose funds that provide post-tax efficient returns.

Final Insights
Your Rs 1.25 crore goal is achievable with consistent investing.

A slight increase in step-up SIP can ensure a smoother journey.

Monitor fund performance and rebalance periodically.

Manage risks with proper insurance and an emergency fund.

Tax-efficient strategies will help maximise post-retirement income.

Planning beyond accumulation is essential for financial security.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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

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Ramalingam

Ramalingam Kalirajan  |7769 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 03, 2025

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I am 33yr old Married man. I have my old parents, my brother and my wife live with me. I have a monthly emi of house of 80k which will end in may 2026. I have only 3 lakhs liquid funds. 3laks in mutual funds. My wife and mother have some 3lkah worth of gold. My brother earns 20k monthly. Rent of the house is 33k per month. Suggest on how to plan for future savings and by when I can retire.?
Ans: You are 33 years old and married.
You live with your wife, parents, and brother.
You have a house loan EMI of Rs. 80,000 per month, which will end in May 2026.
Your liquid funds amount to Rs. 3 lakh.
Your mutual fund investments also total Rs. 3 lakh.
Your wife and mother hold gold worth Rs. 3 lakh.
Your brother earns Rs. 20,000 per month.
You receive Rs. 33,000 per month as house rent.
Immediate Priorities
1. Emergency Fund

Your liquid funds are currently Rs. 3 lakh. This is insufficient.
Aim for at least six months of expenses as an emergency fund.
Considering your EMI and other household costs, target Rs. 5–7 lakh in a high-liquidity option.
Allocate future savings towards this goal before investing in other options.
2. Managing Your EMI Until 2026

The house loan EMI is Rs. 80,000 per month, which is a major expense.
Once the EMI ends in May 2026, you will have additional cash flow.
Avoid any new loans or large unnecessary expenses until then.
The Rs. 33,000 rent you receive can partly support the EMI.
3. Life and Health Insurance

If you do not have life insurance, get a term plan covering at least 15 times your annual income.
Ensure health insurance for yourself, your wife, and your parents with sufficient coverage.
Your brother should also consider a personal health policy.
Savings and Investment Strategy
1. Post-EMI Savings Plan

From June 2026, you will have Rs. 80,000 extra per month.
Redirect this amount towards wealth creation.
Prioritize investing in mutual funds and other growth-oriented assets.
2. Investment Mix for Future Growth

Continue SIPs in mutual funds and increase contributions after 2026.
Maintain a mix of equity and debt investments for long-term financial stability.
Gold can be kept as a backup asset but should not be your primary investment.
Retirement Planning
1. How Much Do You Need to Retire?

Your retirement corpus should be large enough to cover your future expenses.
Factor in inflation, medical needs, and lifestyle expenses.
Your goal should be at least Rs. 5–6 crore by the time you retire.
2. Estimated Retirement Timeline

If you invest aggressively post-2026, retirement by 50–55 could be possible.
Early retirement requires disciplined savings and investment growth.
The longer you stay invested, the better your corpus accumulation.
Final Insights
Focus on repaying your home loan and increasing savings.
Secure health and life insurance for risk protection.
Build an emergency fund before increasing investments.
Start long-term investments aggressively post-2026.
Aim for a retirement corpus of Rs. 5–6 crore for financial freedom.
Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

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Ramalingam

Ramalingam Kalirajan  |7769 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 03, 2025

Asked by Anonymous - Feb 02, 2025Hindi
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Please elaborate the details calculation for Rs 1200000 annual income
Ans: To generate Rs. 12,00,000 per year (Rs. 1,00,000 per month) in a sustainable way, a structured withdrawal plan is essential. Below is a detailed calculation based on different investment options.

Key Factors Considered
Inflation Rate Assumed: 7% per year.

Expected Returns:

Debt Investments: 7% per year.
Equity Mutual Funds: 12% per year (for long-term growth).
Corpus Available: Rs. 2 crore.

Withdrawal Strategy: A mix of fixed-income investments and growth investments to ensure long-term sustainability.

Step-by-Step Calculation
1. Fixed Income Portfolio (Rs. 90 Lakh - 6.9% Average Return)
A portion of the corpus should be allocated to stable, interest-generating instruments to ensure steady cash flow.

Senior Citizen Savings Scheme (SCSS): Rs. 30 lakh at an assumed return of 8.2% will generate approximately Rs. 2,46,000 per year.

RBI Floating Rate Bonds: Rs. 20 lakh at an assumed return of 7.8% will generate approximately Rs. 1,56,000 per year.

Debt Mutual Funds (SWP Mode): Rs. 25 lakh at an assumed return of 7% will generate approximately Rs. 1,75,000 per year.

Fixed Deposits (for emergencies): Rs. 15 lakh at an assumed return of 6.5% will generate approximately Rs. 97,500 per year.

The total fixed-income return from these sources is around Rs. 6,74,500 per year.

2. Equity Mutual Fund Portfolio (Rs. 1.10 Crore - 12% Expected Return)
A portion of the corpus should remain invested in equity mutual funds to ensure long-term growth. This allows systematic withdrawals while keeping pace with inflation.

Systematic Withdrawal Plan (SWP) from Equity Mutual Funds: Rs. 1.10 crore invested at an assumed return of 12% will allow withdrawals of approximately Rs. 5,25,500 per year while maintaining capital appreciation.

Reinvestment of Surplus Growth: Equity funds typically generate more than 12% in the long run. Any surplus growth can be reinvested or used to increase withdrawals over time.

The total return from equity investments is expected to be Rs. 5,25,500 per year.

3. Total Annual Income Generated
Fixed Income Sources: Rs. 6,74,500 per year.
Equity SWP Withdrawals: Rs. 5,25,500 per year.
Total Annual Income: Rs. 12,00,000 per year (Rs. 1,00,000 per month).
4. Sustainability of the Plan
This investment plan ensures that:

The capital in equity continues to grow, covering future inflation-adjusted expenses.
Fixed-income investments provide steady returns for immediate needs.
Systematic withdrawals from equity funds are managed to balance growth and stability.
Periodic rebalancing is necessary to maintain the right asset allocation.

Best Regards,

K. Ramalingam, MBA, CFP
Chief Financial Planner

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

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Ramalingam

Ramalingam Kalirajan  |7769 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 03, 2025

Asked by Anonymous - Feb 02, 2025Hindi
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We are a family of 3 (me, wife and one kid). My kid is one year old. I have a corpus of 2cr. Roughly 50% is in mutual funds. Rest in fixed deposit and ppf. Is it enough for us to retire? My monthly expenses are around 1 lac.
Ans: Your financial position is strong, and your investments are well-diversified. However, early retirement requires careful planning. Below is a detailed analysis of your situation and investment strategy.

Current Financial Overview
Family Structure:

You, your spouse, and a 1-year-old child.
Long financial commitment due to child's education and future needs.
Investment Portfolio:

Total corpus: Rs. 2 crore.
50% in mutual funds (Rs. 1 crore).
50% in fixed deposits (FDs) and PPF (Rs. 1 crore).
Monthly Expenses:

Rs. 1 lakh per month (Rs. 12 lakh per year).
Future expenses will increase due to inflation.
Is Rs. 2 Crore Enough for Early Retirement?
Time Horizon:

If you retire now, your corpus must last 40+ years.
Inflation will reduce the value of money over time.
Sustainability of Corpus:

Your expenses will rise with inflation.
Your investments must grow above inflation to sustain withdrawals.
Child's Future Expenses:

Education costs will be a major financial goal.
Medical emergencies and lifestyle expenses must be planned.
Passive Income Gap:

Your corpus should generate at least Rs. 12 lakh per year.
With inflation, this amount will keep increasing.
Investment Plan for Financial Security
1. Fixed Income for Stability
Invest Rs. 30 lakh in Senior Citizen Savings Scheme (SCSS) when eligible.
Put Rs. 20 lakh in RBI Floating Rate Bonds for inflation-protected returns.
Invest Rs. 25 lakh in Debt Mutual Funds with a low-risk profile.
Keep Rs. 15 lakh in Fixed Deposits (FDs) for emergency needs.
2. Growth Investments for Long-Term Stability
Allocate Rs. 80 lakh to Mutual Funds with a mix of large-cap, flexi-cap, and mid-cap funds.
Use Systematic Withdrawal Plan (SWP) from Debt Mutual Funds for monthly cash flow.
Set aside Rs. 30 lakh for child's education in a balanced mutual fund portfolio.
3. Emergency and Health Fund
Keep Rs. 10 lakh in a liquid fund for unexpected medical or family expenses.
Ensure you have an adequate health insurance policy for your family.
Increase coverage as healthcare costs will rise over time.
Future Income Planning
Consider part-time or consulting work for additional income.
Keep investing a portion of your returns to sustain wealth growth.
Review your portfolio every year to stay on track.
Finally
Rs. 2 crore is not enough for a stress-free early retirement.
Inflation, child’s future expenses, and longevity risks require higher passive income.
A balanced mix of fixed income and equity investments is essential.
Regular withdrawals should not deplete the corpus too early.
Would you like a detailed withdrawal strategy for monthly income?

Best Regards,

K. Ramalingam, MBA, CFP
Chief Financial Planner

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

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Ramalingam

Ramalingam Kalirajan  |7769 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 03, 2025

Asked by Anonymous - Feb 02, 2025Hindi
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I am 57 Year old, currently my asset includes one home, invested in 2 more plots. Expected corpus is 80 lakhs. Apart from 54 lakh Pf, likely to get another 20 lakhs, invested in NPS 6 lakhs, Term Insurance of 1.5 crore ( premium will be returned around 15 lakhs when I am 75 years) and have vehicle loan of 8 lakhs. I have one daughter.(married). Can I retire now. Please help me with investment options too.
Ans: Your financial situation is stable, and you have built a strong asset base. You are considering retirement and need a structured investment plan. Below is a detailed assessment of your financial position and investment strategy.

Current Financial Overview
Assets:

Own house (secured living arrangement)
Two plots (not considered for immediate liquidity)
Expected retirement corpus: Rs. 80 lakh
Provident Fund (PF): Rs. 54 lakh (with Rs. 20 lakh expected soon)
National Pension System (NPS): Rs. 6 lakh
Term Insurance: Rs. 1.5 crore (return of premium: Rs. 15 lakh at age 75)
Liabilities:

Vehicle loan: Rs. 8 lakh
Family Situation:

One married daughter (no dependent responsibilities)
Can You Retire Now?
Monthly Expense Calculation:

Identify your monthly expenses before making a retirement decision.
Include household costs, medical needs, travel, and lifestyle expenses.
Pension or Passive Income:

You do not mention a pension or rental income.
Your investments should generate steady monthly returns.
Emergency Fund:

Set aside Rs. 10 lakh in a fixed deposit or liquid fund.
This ensures easy access to funds for unforeseen expenses.
Debt Repayment:

Pay off the vehicle loan of Rs. 8 lakh.
This reduces interest costs and financial burden.
Investment Growth:

Your corpus should grow enough to support your expenses for 30+ years.
A mix of fixed income and equity investments will help achieve this.
Investment Plan for Financial Security
1. Secure a Fixed Income Source
Invest Rs. 15 lakh in Senior Citizen Savings Scheme (SCSS) for stable quarterly interest.
Invest Rs. 10 lakh in RBI Floating Rate Bonds for inflation-linked returns.
2. Growth-Oriented Investments
Invest Rs. 30 lakh in Mutual Funds (balanced allocation across large-cap, flexi-cap, and mid-cap funds).
Use Systematic Transfer Plan (STP) to move funds gradually from liquid to equity over 12 months.
3. Additional Fixed Income Stability
Invest Rs. 15 lakh in Monthly Income Plans (MIPs) of Debt Mutual Funds for a mix of safety and returns.
Keep Rs. 5 lakh in bank FDs for liquidity and emergency use.
4. National Pension System (NPS) Strategy
Continue investing in NPS if tax benefits are helpful.
Withdraw partially when retirement funds are needed.
5. Medical Contingency Planning
Health Insurance not required due to ECHS coverage.
Keep Rs. 5 lakh aside for non-covered medical expenses.
Final Insights
You can retire if your monthly expenses are covered by investment income.
A mix of fixed income and mutual funds ensures safety and growth.
Avoid locking too much in illiquid assets like plots.
Review your investments annually to stay aligned with goals.
Would you like a detailed withdrawal strategy for monthly income?

Best Regards,

K. Ramalingam, MBA, CFP
Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7769 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 03, 2025

Asked by Anonymous - Feb 03, 2025Hindi
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I am 50 year old a Junior commission officer from India Coast Guard(Ministry of Defence) Aviation Department retired on 31 Jul 2024. I got total amount of Rs 48 Lacs retirement amount and by end of Mar Apr 25 will get 8L. Getting Pension pm Rs 30000 due to commutation amount for 15 years. Monthly expiditute Rs 30000 . Want 3 CR after 10 years . Excide life Insurance now merged with HDFC Life Insurance will mature by 2030/ 10 Lacs. N.G.I.S Naval Group Insurance Scheme one time premium for sum assured 7.5 Lakh upto age of 75 years. Health Insurance not required as ECHS facility are given by Govt./Indian Coast Guard. Pl advice me how to invest. DA will increase 8% yerly. Willing to invest Mutual fund with moderate risk. Preference to invest 50 % Govt Bank as no other side income are there. Personal house at native place . Nil liability and loan. Two son are studying one in 11th K.V and one in First year Enginering. Reserved 20L for wards education. Invested 15L in MSIP postal monthly investment scheme and the interest received diversified to PLI with annual premium of 96K. Invested 10L each as FD in Govt and local society. Had purchased plot in the year 2015 and 2018 whose present value is 25L. Soon after retirement had invested 1L each in Stock market and XPO.RU Trading & Investment. Pl sir make my investment profile for my desired 3 CR. I will be grateful. Thank you Jai Hind
Ans: Your financial position is strong, and your disciplined approach to savings is commendable. You aim to accumulate Rs. 3 crore in 10 years while ensuring financial security for your family. Below is a structured investment plan to help you achieve your goal.

Current Financial Overview
Retirement Corpus Received: Rs. 48 lakh (additional Rs. 8 lakh by March-April 2025)
Pension Income: Rs. 30,000 per month (with DA increasing at 8% annually)
Monthly Expenses: Rs. 30,000
Education Fund Reserved: Rs. 20 lakh
Investments:
Post Office Monthly Scheme (POMIS): Rs. 15 lakh (interest used for PLI premium)
Fixed Deposits: Rs. 10 lakh each in government bank and local society
Stock Market Investment: Rs. 1 lakh
XPO.RU Trading & Investment: Rs. 1 lakh
Real Estate Holdings: Two plots worth Rs. 25 lakh
Insurance:
Excide Life (now HDFC Life): Maturing in 2030 with Rs. 10 lakh
NGIS (Naval Group Insurance): Rs. 7.5 lakh coverage until age 75
Health Insurance: Covered under ECHS
Investment Plan for Rs. 3 Crore in 10 Years
1. Maintain Emergency Fund
Set aside Rs. 10 lakh in a bank fixed deposit for liquidity.
This ensures cash availability without disturbing your investments.
2. Allocate Funds for Growth
Since you have no liabilities and receive a stable pension, you can take a moderate risk approach.

Invest Rs. 25 lakh in Mutual Funds (through a mix of large-cap, flexi-cap, and mid-cap funds).
Expect an average return of 12%-14% over 10 years.
Invest via Systematic Transfer Plan (STP) from a liquid fund to equity funds over 12 months.
3. Secure a Fixed Income Component
Invest Rs. 15 lakh in Senior Citizen Savings Scheme (SCSS) for stable returns and quarterly payouts.
Invest Rs. 10 lakh in RBI Floating Rate Bonds for inflation-linked returns.
4. Optimise Existing Investments
Surrender the insurance policy (if non-beneficial) and reinvest in mutual funds.
Monitor stock market and XPO.RU investment; withdraw if risk increases.
5. Portfolio Diversification
Keep 40%-50% in equity mutual funds for long-term wealth creation.
Maintain 30%-35% in fixed-income instruments for stability.
Hold 10%-15% in gold and real estate for diversification.
Final Insights
Your pension and rental income cover monthly expenses; investments will grow wealth.
The mutual fund portfolio will drive capital growth, helping you reach Rs. 3 crore.
Ensure periodic review of investments to align with goals.
Would you like a specific fund allocation plan?

Best Regards,

K. Ramalingam, MBA, CFP
Chief Financial Planner

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

...Read more

Ramalingam

Ramalingam Kalirajan  |7769 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 03, 2025

Asked by Anonymous - Feb 02, 2025Hindi
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I am 48 years old. Have one child studying in 12th grade and the younger one in 6th. They both want to study abroad. But I have no seperate investments done for their education or marriage. My current household monthly expenses are around 5L. In terms of my investments i have the following Equity PMS = 1cr Mutual Funds = 2cr Debt Funds = 1cr Physical Gold = 25L EPF = 2.5cr Cash = 50L Real Estate = 6cr in 4 apartments including my residence I earn 1.5L p.m. in rental income and I have no outstanding loans on my property. Do I have enough assets so that I retire by end of this year and have sufficient funds for my childrens education (1cr each) and monthly income from investment and rent of 5L , inflation adjusted over time , so I don't see a drop. - Sam
Ans: Sam, you have built a strong financial foundation. Your assets are diversified across equity, debt, gold, and real estate. Your rental income provides a steady cash flow. However, your goal requires careful planning. You need to ensure your portfolio can sustain Rs. 5 lakh per month and fund your children's education.

Children's Education Fund
You need Rs. 2 crore for both children’s education.

You have no separate investments for this.

The funds should be parked in safe, liquid, and high-growth instruments.

Consider moving Rs. 2 crore from your portfolio into safer investment options.

Use a mix of debt funds and fixed deposits for stability.

Monthly Expense Requirement
You need Rs. 5 lakh per month, inflation-adjusted.

Your rental income covers Rs. 1.5 lakh per month.

You need Rs. 3.5 lakh per month from investments.

Your total financial assets, excluding real estate, are around Rs. 7.25 crore.

You need an income-generating strategy from these investments.

Optimising Your Investments for Regular Income
Keep Rs. 50 lakh as an emergency fund in FD and liquid mutual funds.

Your equity exposure is Rs. 3 crore (PMS + Mutual Funds).

A portion should be shifted to balanced hybrid funds.

Use SWP (Systematic Withdrawal Plan) from mutual funds for monthly cash flow.

Debt funds and EPF interest can contribute to stable returns.

Consider allocating Rs. 1.5 crore to debt and hybrid funds for stable cash flow.

Ensure a mix of equity and debt to combat inflation.

Managing Inflation Over Time
Inflation will erode purchasing power.

Your corpus should last 35-40 years post-retirement.

Keep 50-60% of investments in equity for long-term growth.

Use a dynamic withdrawal strategy, increasing withdrawals gradually.

Role of Real Estate in Your Plan
You own four apartments, including your residence.

Rental income is Rs. 1.5 lakh per month.

Real estate may not provide liquidity during emergencies.

Selling a property in the future may be needed for major expenses.

Keep one property ready for liquidation if needed.

EPF and Retirement Planning
Your EPF corpus is Rs. 2.5 crore.

This provides safety and stability.

Keep withdrawing strategically to manage taxation.

Avoid premature withdrawal unless necessary.

Health and Insurance Planning
Ensure adequate health coverage for you and your family.

Medical inflation is rising, so an enhanced health cover is necessary.

Consider a super top-up health insurance plan.

Ensure you have term insurance if any dependents require financial security.

Final Insights
You are in a strong financial position for retirement.

Your rental and investment income should support your lifestyle.

A well-structured withdrawal plan is necessary.

Prioritise securing the children's education fund separately.

Regular review and rebalancing of your portfolio are essential.

Your focus should be on liquidity, stability, and growth.

Avoid locking up funds in real estate or low-return instruments.

Work with a Certified Financial Planner to execute a structured plan.

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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