I am 52 year old married manwith good physique and working as a higher group executive . For last few months I m in a relationship with a married lady who works with me and in just next subordinate to me who is married and 40 yr old. In my married life though I love my wife, she is keeping distance from me and our relationship is not at all in good shape. Also We r staying in separate house. I have a son 18yrs. My extramarital partner is also not happy in her family life. But she is very caring and expressed her respect and affection for me. I also care for her and I expressed my feelings to her. We respect each other very much and we feel good when we together. Our relationship is purely mutual respect and caring. No physical attraction for each other ,except occasional hug with affection. I donot know the future of our relationship. What should I do. I tried to just move on but unable to do so. She also tried as she told me, but whenever we come across we could not resist to think again and again for each other. Please advise.

Ans: Krishna Sir, At CRL 113431, NIT Surathkal is unlikely because even lower branches generally closed much earlier in recent JoSAA rounds. Fill all lower NIT branches, but focus more on IIITs/GFTIs/private options. Try IIIT Dharwad, IIIT Raichur, IIIT Kurnool, IIIT Bhagalpur, IIIT Manipur, IIIT Una and GFTIs through JoSAA/CSAB. Additionally, please review the JoSAA opening and closing ranks from the last 2-3 years to gain further insights and better understand admission trends. Have KCET, COMEDK, NITTE, RUAS, RV University & PES as backup options instead of relying solely on JoSAA. ALL the BEST for Your Son's Prosperous Future!

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Ans: Anandhu, Yes, you have some scope, but mostly in lower branches, newer NITs/IIITs/GFTIs, and CSAB special rounds. For NIT Calicut Home State, chances for top branches like CSE/ECE are very low, but you may try Civil, Chemical, Production, Materials or Biotechnology-type branches if cut-offs stretch. Also fill choices for IIIT Kottayam, IIIT Una, IIIT Bhagalpur, IIIT Kurnool, IIIT Manipur, GFTIs and definitely participate in CSAB, where vacant seats are filled after JoSAA. Additionally, please review the JoSAA opening and closing ranks from the last 2-3 years to gain further insights and better understand admission trends. Have your State's KEAM also as an option. ALL the BEST for Your Prosperous Future!

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Ans: It is very good that you already started investing across multiple mutual fund categories and also contributing regularly to PPF. Increasing SIP by 10% every year is a powerful strategy. This alone can help you move strongly towards your Rs 5 crore goal.

Now the important step is to structure your portfolio correctly so the journey becomes faster and safer.

» First step before planning Rs 5 crore goal

To reach Rs 5 crore successfully, three things decide the result:

– how many years available
– how much monthly investment possible
– how regularly SIP increases every year

Since your SIP already increases by 10% yearly, your probability of success improves significantly.

If horizon is:

– 10 years → requires aggressive allocation and higher SIP
– 15 years → achievable with disciplined growth allocation
– 20+ years → very achievable with moderate SIP increase

Longer horizon makes goal easier.

» Review of your current investment structure

Your present investments include:

– large cap category fund
– multiple index category funds
– small cap category fund
– PPF contribution

This shows diversification effort. But some improvement is required.

Currently index category exposure is high in your portfolio.

Index category funds have limitations:

– they only copy market returns
– they cannot identify future strong companies early
– they cannot shift sectors when valuations become expensive
– they cannot reduce downside risk during corrections
– they cannot generate extra alpha above market

For a large target like Rs 5 crore, actively managed category funds support better long-term growth probability.

So gradually reducing index exposure and increasing actively managed allocation improves results.

» Suggested improved mutual fund structure for Rs 5 crore goal

A stronger structure would be:

– Flexi cap category fund (core growth engine)
– Large & midcap category fund (balance + growth)
– Midcap category fund (acceleration engine)
– One small cap category fund (limited allocation only)
– Continue PPF as safety anchor

This combination improves long-term compounding strength.

» Role of PPF in your Rs 5 crore journey

Your yearly PPF contribution of Rs 1.5 lakh is excellent.

Benefits:

– completely tax-free maturity
– stable compounding
– supports capital safety
– reduces portfolio risk

PPF should be continued without interruption.

It works as the foundation layer of your portfolio.

» How much SIP normally required for Rs 5 crore target

To reach Rs 5 crore:

You must follow three rules:

– increase SIP every year (already doing correctly)
– avoid stopping SIP during market corrections
– keep equity allocation strong for long horizon

Most investors fail not because of wrong funds but because they stop SIP during market volatility.

Your 10% yearly increase strategy is very powerful here.

» Important correction required in your current allocation

At present:

– small cap exposure already exists
– index exposure is high
– flexi cap exposure missing

Better adjustment:

– add flexi cap category fund
– add large & midcap category fund
– limit small cap allocation to one scheme only
– reduce index exposure gradually over time

This improves return consistency.

» Additional steps to reach Rs 5 crore faster

You can strengthen your journey further by:

– increasing SIP whenever income increases
– investing bonuses through lump sum
– reviewing portfolio once per year
– avoiding too many schemes
– staying invested minimum 12–15 years

Consistency matters more than timing.

» Finally

Your discipline of investing across categories, contributing to PPF, and increasing SIP by 10% yearly already puts you on a strong path toward your Rs 5 crore goal.

To improve success probability further:

– reduce excess index exposure gradually
– add flexi cap allocation
– include large & midcap category fund
– continue only one small cap category fund
– continue PPF without interruption

With these improvements and long-term discipline, achieving Rs 5 crore becomes very realistic.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

Ans: You have not mentioned your home state, gender & category either. Assuming you are a general category male student. Please note, At this percentile (roughly around 55k–65k CRL depending on year), good chances exist in IIITs like IIIT Kota, IIIT Guwahati, IIIT Kottayam, IIIT Sri City, IIIT Una, IIIT Bhagalpur for ECE/IT and sometimes CSE in later rounds/CSAB. For example, IIIT Kota CSE and IIIT Guwahati CSE have shown broader closing ranges in recent years.

Keep Plan B + Plan C with NIT lower branches and GFTIs also. Fill maximum choices in JoSAA + CSAB carefully. Additionally, please review the JoSAA opening and closing ranks from the last 2-3 years to gain further insights and better understand admission trends. ALL the BEST for Your Prosperous Future!

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Ans: Usha Madam, Prefer CSE in good IIITs if she is clearly interested in coding/AI/software. Choose ECE in mid-tier NITs only if she is comfortable with electronics + coding. Good ECE targets: NIT Calicut, Rourkela, Jaipur, Kurukshetra, Durgapur, Silchar, Hamirpur, and Jalandhar. Please review the JoSAA opening and closing rank data from the past 2-3 years to get a clear idea of your daughter's chances of admission into NITs, IIITs, or GFTIs. Use the available tools to input your ranks and obtain a list of institutions along with their opening and closing ranks and the programs they offer. Based on this information, prepare a prioritized list of preferred institutions and branches for yourself or your daughter, and fill in as many choices as possible. You can also consider applying through the CSAB rounds for additional opportunities. ALL the BEST for Your Daughter's JEE Advanced Exam and also for Her Prosperous Future!

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Ans: Debopriyo, both are good. Prefer the northern India campuses of both universities if you are from northern India. ALL the BEST for Your Prosperous Future!

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Ans: Rajaram Sir, securing admission to the CSE branch through JoSAA will be highly challenging and likely not feasible. However, you may still try your chances in the CSAB round. I recommend keeping 4-5 backup options with reputable private engineering colleges in Tamil Nadu, such as SNU, SSN, PSG, Sastra, Sathyabhama, Amrita, Saveetha, among others. ALL the BEST for Your Son's Prosperous Future!

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Ans: Chances are slim. Try in lower-demand branches (like Civil/Metallurgy) in later rounds or special quotas.

Good luck.
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Radheshyam

Ans: Your question is unclear to me. What do you want to ask? Please rewrite to specify the type of help you need from us.

Good luck.
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Radheshyam