I am 67 years old with married life of 41 years. my wife aged 58 years old, underwent Hysterectomy 8 years back due to ovarian cyst. I am interested in Sex. my wife doesn't have any interest in sex. we use vaginal lubricants also. how to solve this problem.

Ans: Hi BK,

The queries you have raised are simple but the the solutions to them can be many. I will cover the important ones - your main objectives of regular monthly income and also have a corpus that you can leave behind.

So before my response I will make a few assumptions along with your inputs
1. You want to have 3 Lakh per month income to be adjusted by inflation each year.
2. You expect to receive above income for the next 30 years.
3. Return on the corpus invested will be an average of 10% pa.
4. Corpus to last beyond 30 years for your children.
5. No other dependencies to be serviced through your corpus.

Response a) Yes it is very much possible.

Response b) 3 lakh per month has to take into account your lifestyle expenses. It may seem too high for someone or too low for another, so its more relevant for you to measure it against your own expenses today. Do note that with time, and also as you indicated you want to take it easy, this number if its valid today may change once you take it easy.

Response c)
One of the simple solution to achieve your goals/objectives can be to split your 10 crore corpus into 2 amounts and invest them separately.
1. Invest 5.5 crore in Mutual fund schemes - you can further split this into 2~3 schemes for diversification and risk management. Consider between Conservative hybrid, Balanced advantage and Aggressive hybrid funds which can provide an annual average return of 10% (consolidated).
After a year of staying invested, start a SWP (systematic withdrawal plan) from these MF schemes to withdraw 3 lakhs per month and there after increase this by 5% every year.
This corpus will last you between 25 to 30 years.
2. Invest the remaining 4.5 crore separately in Mutual fund schemes - again this can be put into a portfolio of different schemes. This needs to be well balanced for investment for the next 30 years. This is where the long time duration of investment can permit you to take a bit of risk and generate good wealth.
At an average of 10% to 12% returns on the portfolio, expect the portfolio value to be between 78 crore and 125 crore after 30 years.

Response d) Projections provided above with assumed rate of returns.

Please note in the above, tax implications have not been taken into account. Also some important and crucial aspects need to be considered - health insurance being the primary one. You should get yourself a good health cover for the remainder of your life, if you have one, check if it needs to be enhanced or if its sufficient.
Hence I would recommend, you to hire/consult a Certified Financial Planner who can help you build your portfolio with recommended products and schemes that will meet your objectives. A CFP can provide a customized plan to achieve your goals and will also provide you alternatives/options and highlight the pros/cons for each.

Thanks & Regards
Janak Patel
Certified Financial Planner.

Ans: Hello dear.
You have the following choices: (1) From the new academic year, take admission to 11th standard in the state board-affiliated college and pass 12th grade from the same board. (2) If you need more flexibility, then you can take the admission to NIOS board which is as good as a private college. Contact the nearest center of NIOS. The academic process starts after the result of the 10th board examination.

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Radheshyam

Ans: Hello dear.
You will get admission to SPA for B.Arch. Programm primarily determined by JEE Main Paper 2. Best of luck for your upcoming future.

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Radheshyam

Ans: Hello Sweety
This percentile/rank corresponds to scores in the range of 85 to 99 marks, depending on the specific shift and difficulty level of the exam. In terms of %tile, it is around 85 to 90. But the figures change year by year and performance of the candidates appearing for the exam.

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Radheshyam

Ans: Hello dear
With the mentioned percentile, your daughter will get admission to ECE/EEE to one of the top-tier NITs. Best of luck for her bright future.

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Radheshyam

Ans: You want to generate a steady Rs 30K monthly income while ensuring your capital grows. This requires a balanced investment approach. I will guide you on how to structure your Rs 30 lakh portfolio to meet both goals.

Key Considerations Before Investing
Sustainability: You need withdrawals to last at least 20-30 years without depleting the capital.
Capital Appreciation: Your money should grow to counter inflation.
Tax Efficiency: Choosing the right funds can reduce tax on withdrawals.
Market Risks: A balance of equity and debt ensures stable and growing income.
A Systematic Withdrawal Plan (SWP) is a good choice. It allows you to withdraw Rs 30K per month while letting the remaining amount grow.

Ideal Portfolio Structure for Rs 30 Lakhs
A mix of equity and debt funds is required. This ensures stability while capturing growth.

Recommended Allocation:

50% (Rs 15L) in Equity Hybrid Funds – For growth and inflation protection
40% (Rs 12L) in Debt Funds – For stability and steady income
10% (Rs 3L) in Liquid Funds – For immediate liquidity and emergency needs
Step-by-Step Investment Plan
1. Equity Hybrid Funds (Rs 15L)
These funds invest in both equity and debt, giving you balanced growth.
Why? They provide better returns than pure debt funds while reducing volatility.
SWP From Here: You can withdraw from hybrid funds for higher tax efficiency.
2. Debt Funds (Rs 12L)
Invest in corporate bond funds and dynamic bond funds.
These offer better stability and returns compared to fixed deposits.
Helps in reducing market risk while still earning higher returns than traditional savings.
3. Liquid Funds (Rs 3L)
This acts as your emergency buffer.
It ensures you don’t withdraw from equity during market downturns.
Helps maintain consistent income even in volatile times.
How SWP Will Work
Start SWP from Equity Hybrid Funds. This ensures capital growth while giving you tax efficiency.
In case of market downturns, withdraw from Debt Funds instead. This protects your equity from unnecessary withdrawals during bad phases.
Rebalance every 2-3 years to maintain stability.
Your Rs 30 lakh corpus can comfortably provide Rs 30K per month for 20-30 years if structured correctly.

Final Insights
SWP from hybrid funds ensures both income and appreciation.
A mix of equity, debt, and liquid funds provides stability.
Your corpus will grow and last for decades if rebalanced periodically.
Tax-efficient withdrawal ensures more money stays in your hands.
With this approach, you get consistent income without worrying about capital depletion.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

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

Ans: The National Board of Examinations in Medical Sciences (NBEMS) has announced the NEET PG 2025 examination for June 15, 2025. The qualifying percentile has been reduced to the 5th percentile across all categories, increasing the number of eligible candidates for the counseling and admission processes. This has intensified competition for available seats, making it more challenging to secure a seat in preferred specialties or institutions. However, qualifying does not guarantee admission; candidates must still undergo the counseling process, which is based on merit, preferences, and availability. Aspirants are advised to stay informed, prepare diligently, and ensure timely registration and active participation in counseling sessions. All the best for your admissions!

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Ans: Consider a Psychometric Test: If feasible, arrange a psychometric test for your son. This will help assess his interests, aptitude, attitude, learning style, and personality traits. The test report will provide valuable insights into the most suitable career options for him.

Prioritize Regular College Over Distance Learning: If financially and logistically possible, opt for a regular college over a distance learning (DLP/Correspondence) program. Regular college provides better exposure, structured learning, peer interaction, and placement opportunities. Distance learning should only be considered if attending a regular program is not an option due to financial or personal constraints. All the best for your son's admissions!

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Ans: Ravish Sir,

How to Predict Your Daughter's Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

Once the January JEE Main session results are declared, many students and JEE applicants start asking common questions about eligibility for specific institutes (NITs, IIITs, GFTIs, etc.) based on their percentile, category, preferred branch, and home state.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Daughter's Admission Chances Using JoSAA Data
Step 1: Collect Your Daughter's Key Details
Before starting, note down the following details:

Your JEE Main percentile
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least your daughter's 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your daugther's details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If your daughter is open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Daughter's Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State (OS) candidates and different categories.
Pro Tip: Adjust your daughter's expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

Can This Method Be Used for JEE April & JEE Advanced?
Yes! You can repeat the same steps after your April JEE Main results to refine your admission possibilities.
You can also follow a similar process for JEE Advanced cutoffs when applying for IITs.

Want to Learn More About JoSAA Counseling?
If you want detailed insights on JoSAA counseling, engineering entrance exams, and preparation strategies, check out EduJob360’s 180+ YouTube videos on this topic!

Hope this guide helps! All the best for your daughter's admissions!

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