Hi Anu, I am Neha, I had a relationship with a guy and he turned out to be a Blackmailer & Abuser. He has my private photos & videos and he extorted almost 200,000rs by always threatening me that he will talk to my dad or come home. He planned it all very well. After a point when I felt suicidal I raised a complaint against him in the police station. But even after that he was forcing me in the relationship and he continued messaging me and even threatened me if I asked him to return my money back. Ever since then I have been completely traumatised and not been able to moved ahead in life. When I was going through all the harrassment and torture I didnt have right help or a good lawyer. Now finally I found a lawyer who is ready to take up my case and sue this monstor. But now it has been 2 months since he has come back and troubled me. Yet I am not at peace for all this torture and trauma that I went through last year because of this man. So I badly want to go ahead and sue him, but I have these 2 main fears which gives me shivers. 1. When I complain, will my photos/videos be misused by the investigating officers (cops, I understand not all men are bad). I am really really scared about this part. The thought of of few more men having to see my pvt videos is giving me nightmares and not letting me take a step forward. 2. Once I file this case, I have the fear that what if he wants to take revenge on me later. There are lot of such thoughts & questions that are conctantly running over my head not letting me sleep or be in peace or continue my regular routine. Pls advice what needs to be done. How to overcome this fear and punish a person like this for victims like us . How do we gather courage when we are in a vunerable situation while we still want to fight for justice and stand up for ourselves. Or should we just put everything behind and act like nothing has happened and look at the future ?? PLs help

Ans: Your retirement is just three years away. You have built a strong foundation with real estate, equity, and mutual funds. Now, the goal is to structure your investments for steady income, security, and long-term sustainability.

1. Assessing Your Current Financial Position
Flat Worth Rs. 1.5 Crore: This generates rental income, but liquidity is limited.
Equity Portfolio of Rs. 50 Lakh: Market-linked investments with potential for high returns but volatile.
Mutual Funds of Rs. 20 Lakh: Offers diversification and moderate risk exposure.
No Liabilities: This is a strong advantage for financial freedom.
Gifting Business: If planning to exit, ensure business-related finances are sorted before retirement.
2. Estimating Post-Retirement Income Needs
Calculate expected monthly expenses, including medical, travel, lifestyle, and emergency costs.
Factor in inflation, as expenses will rise over time.
Consider long-term costs such as medical care and home maintenance.
3. Structuring Retirement Income
Rental Income as a Fixed Source
Your flat generates rental income, which helps with stability.
Consider reinvesting this income for further growth.
Portfolio Rebalancing for Stability
Equity exposure is beneficial but risky close to retirement.
Shift some funds to low-risk instruments for safety.
Keep some allocation to equity to combat inflation.
Maintaining Liquidity for Emergencies
Create an emergency fund of at least 2 years' expenses in liquid assets.
Avoid relying solely on investments that require selling in volatile markets.
4. Health and Insurance Planning
Ensure comprehensive health insurance for both of you, at least Rs. 15-20 lakh coverage.
If you hold any old insurance policies with low returns, consider restructuring them.
Create a separate healthcare fund for long-term medical expenses.
5. Tax Efficiency in Retirement
Structure withdrawals smartly to reduce tax burden on capital gains.
Use tax-free instruments where applicable.
Rental income is taxable, so deduct maintenance expenses to lower tax outgo.
6. Planning Investments for Retirement Income
Avoid complete reliance on fixed-income instruments, as they may not beat inflation.
A mix of mutual funds, debt instruments, and systematic withdrawal plans (SWP) will ensure steady cash flow.
Keep some investments growth-oriented to sustain wealth over decades.
7. Estate and Legacy Planning
Prepare a clear will to ensure smooth asset transfer.
If you plan to donate or support causes, structure funds accordingly.
Finally
Ensure liquidity and stability in your investments.
Reduce risk in equity but keep exposure for growth.
Maintain a dedicated healthcare fund and strong insurance coverage.
Structure investments to minimise taxes and ensure steady income.
Plan legacy and succession to avoid future complications.
Would you like a detailed plan on how to allocate your investments for steady retirement income?

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

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