Hello, I am Afrin . I met this guy 3 years back through a dating app . We used to talk on weekends initially for few months . Then I started falling for him and I told him about it and that i would only like to continue if there is a future as we we can get married, he said he is Hindu and I am Muslim so it won't be possible for him so I strictly asked him not to contact me again as we want different things , after that we didn't talk for 4 months , and 4 months he called me again . I picked up , talked for two three weeks only on weekends and the same question i again asked he again said it won't be possible and I again told him not to contact me and he again stopped calling or texting me . After 6 months of this ,he again called ,I picked up. This time he said , he is moving to foreign country so it might be possible for him to marry . I believed , we kept talking now 3,4 days a week . We both were happy ,and enjoyed talking to each other , then finally after 2 years , he came to meet me from a different state . We met, i brought some of my friends with me . We spent 5 days , bt after 3 days ,I saw him behaving rudely .. I tried talking to him and I got to know that , since I was talking to my friends in our language , he misunderstood us thinking we were may be making fun of them . On 4th day , when my friends left , I went to his room and saw him using dating app .. I asked him to show me his phone he didnt show me and we had a heated argument. And he left me alone in that room , and the next day he had his flight .. i saw, he blocked me the day he left me in that room . I tried contacting him for the first in this two years but he blocked me every where . So , this way for 6 months I was blocked , after him unblocking me ,he neither called me not texted me , and I also didn't try to contact him . After after 1 year of him leaving me in that room, he called few days back , I picked up , and the way he was talking i dint like it as I could sense he was expecting the things from me which are against my values . And by now ,I lost feelings for him . So the first day I could say anything, the next day i told him clearly that i don't have feelings for him anymore , so if he is expecting something else from me he won't get it . If he wants to remain as friends he can ,rest I don't want to be in a relationship with him anymore . And after two days he again blocked me . What should I do if he again calls me ? Should I just block him now ? Or should I talk to him normally?

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