I need advice from anyone here. I am 34 years old woman and married. I have 10 year old daughter. I am also working in MNC.I got married 12 years back. I am seeing lot of challenges in my home. I am living with my in laws from the day one. They were lot of issues going on from the starting. I faced lot of issue during my pregnancy due to this. Here giving just an example, My MIL condition is I was not allowed to drink milk more than one small glass for a day and allowed to eat rice only one rice spatula for afternoon and night, no veggies and no fruits during pregnancy. Due to this My health got deteriorated and I had gone through surgery in my 6th month and was in bed rest till the delivery. My FIL used to bring some fruits to me, and she scolded him very badly. After that he stopped to bring anything. Like this lot of things keep on happening till date. She doesn't allow me to cook, and she only prepare lunch. Tells everyone in the family and neighbourhood that I won't cook. Lot of times I asked her I will cook. She says she doesn’t like if others cook. So, she allows me to chop the veggies or grating coconut like that. She gives very less amount of food for my daughter. sometimes even my daughter is hungry, she scolds her saying don't eat too much. For 10 years old kid, she weighs 24. To her school lunch bag and snacks, I fought with my MIL and prepare food for her box and give. She eats happily. Sometimes my husband and myself tried to tell her and she goes on like I changed her son and He doesn't love her anymore because of me etc., Now a days, I feel relationship between my husband and me is going down. He only listens to her. Sometimes my MIL scolds my daughter unnecessarily Infront of my husband and he we will scold my daughter for this again. Due to this, my husband and my daughter relationship is also getting worst. He keeps on scolding her, My daughter is average in her academics, she doesn't study properly after coming home due to lot distractions and mood swings at home. One more reason is TV. At home My MIL watches the TV from the morning. We are not allowed to watch but that’s ok I don’t have time for that anyway. While my daughter is studying in the evening, my MIL watches some serials. My daughter's whole concentration is on the voices coming from TV. She will keep on getting distracted and make excuses for something to watch TV like drinking water,etc. We tried to tell my MIL, but it didn’t go well. Most of the times, I feel like me and my daughter are outsiders and whatever we do they doesn't like it. I like to pray by singing one song at least once a day. She doesn't like it. Whatever food I prepare to my daughter my MIL complains it to my husband as junk. I normally prepare her rice with lot of veggies, parathas with veggies and sandwich. After I started preparing these, my daughter started eating veggies, otherwise there was big no from her. I don't know how to handle all those things . Also recently during Dusshera, due to one of the situation like this, my husband is not talking properly with me and my daughter. I am an introvert, and I don’t have any friends. I don’t know with whom to seek advice.

Ans: Asset Evaluation
Real Estate:
You own four houses worth Rs 10 crore, generating Rs 70,000 monthly rental income. This is a solid base for passive income. However, real estate can have fluctuating maintenance costs, tenant issues, and varying rental yields over time.

Stocks and Mutual Funds:
Your Rs 60 lakh investment in stocks and mutual funds is a commendable step. Active mutual funds offer professional fund management and can outperform index funds over time.

Foreign Stocks:
Your Rs 1.7 crore portfolio in foreign stocks adds geographical diversification. Monitor currency exchange fluctuations and global market trends.

Provident Fund (PF):
With Rs 1.3 crore in PF, this is a reliable retirement corpus. The fund provides fixed returns and tax benefits, adding stability.

Farm Lands:
Farm lands worth Rs 5 crore are an illiquid but valuable asset. They might not generate consistent income unless leased or developed.

Loans:
A loan liability of Rs 1.2 crore needs prioritised repayment. Focus on loans with higher interest rates first.

Insurance Coverage:
A Rs 5 crore term plan is robust. Your Rs 50 lakh health insurance is sufficient for unexpected medical emergencies.

Retirement Goals
You need Rs 3–4 lakh monthly for 27–28 years post-retirement.
The portfolio must generate steady, inflation-adjusted returns.
Action Plan for Retirement
Debt Management
Prepay High-Interest Loans:
Use a portion of your surplus income to prepay loans. This reduces interest outflow and increases your cash flow.

Avoid New Loans:
Focus on reducing existing liabilities instead of taking on new ones.

Portfolio Restructuring
Real Estate:
Retain essential properties. Sell underperforming or non-essential properties to reduce concentration in real estate. Invest proceeds in mutual funds or debt instruments for diversification.

Mutual Funds (MFs):
Increase SIPs in actively managed funds. They outperform direct funds due to guidance from Certified Financial Planners and MFDs. Regular funds offer better tracking and professional assistance.

Stocks:
Monitor direct equity investments closely. Consider reallocating underperforming stocks to mutual funds for better management.

Debt Instruments:
Invest in high-quality debt funds or fixed-income securities for stability. These instruments balance equity volatility and ensure steady returns.

SIP Strategy
Increase SIPs from Rs 70,000 to Rs 1 lakh/month.
Allocate 70% to equity funds for long-term growth.
Invest 30% in debt funds for stability and liquidity.
Emergency Fund
Maintain a 12-month expense reserve in liquid funds or fixed deposits.
This covers unexpected expenses without disturbing investments.
Income During Retirement
Systematic Withdrawal Plan (SWP)
Use SWPs in mutual funds to generate regular income.
Withdraw 6–8% annually from your mutual fund portfolio for a steady income stream.
Rental Income Optimisation
Review property rents regularly.
Invest part of rental income in equity or debt mutual funds for compounding.
Dividend Stocks
Retain high-dividend-yield stocks for regular income.
Reinvest surplus dividends for long-term growth.
Tax Efficiency
Equity Funds Taxation:
Long-term gains above Rs 1.25 lakh are taxed at 12.5%. Short-term gains are taxed at 20%.

Debt Funds Taxation:
Both short- and long-term gains are taxed per your income slab.

Real Estate Capital Gains:
Use exemptions under Sections 54 or 54F to save tax on property sales.

Inflation Protection
Allocate 60–70% of your portfolio to equity investments.

Equity provides inflation-adjusted returns over time.

Debt funds and fixed instruments safeguard against equity market volatility.

Estate Planning
Draft a will to allocate assets transparently among family members.
Use nomination and joint ownership to avoid legal complications.
Consider a family trust for farm lands to avoid disputes.
Periodic Review
Review your financial plan every six months.
Adjust investments based on market conditions, goals, and needs.
Consult a Certified Financial Planner regularly for updates.
Finally
A well-diversified portfolio ensures financial independence post-retirement. Focus on debt repayment, portfolio balance, and tax-efficient withdrawals. Your assets can comfortably generate Rs 3–4 lakh monthly income, adjusted for inflation.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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