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Love Guru

Love Guru   |204 Answers  |Ask -

Relationships Expert - Answered on Oct 28, 2022

Love Guru has been answering relationship and romance related questions on Rediff.com for over 13 years. She won't mince words when telling you what the problem is and what you can do about it. If you want a fresh perspective from an unbiased, objective-thinking individual about your relationship woes, Love Guru could just be the person you need to need to hear from.... more
B Question by B on Oct 28, 2022Hindi
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Relationship

Dear Love Guru,
Gettting married in a few months to a girl I really love.

But she comes from a very wealthy biz family.
I am from a simple middle-class background but have worked hard and earn well.
Even if our love is mutual and unites our hearts, her way of living is totally unlike mine.
And her parents make me feel uncomfortable and that she is marrying beneath her and I am interested in her for her family’s money.
How do I convey this problem to her?
If I sit quiet it can fester later.
What do I say to her parents when they are almost rude?
B.

Ans:

Hi B,

No matter how wealthy your to-be in-laws are, money doesn't give them license to look down their noses at you. You say you're hard working and earn well, surely they know that too!

Sit them down and apprise them of the fact that their rude manner has not gone unnoticed. Be polite but firm. If they were born into money then they've hardly achieved anything, and if they started from scratch like you have, well, surely they should commend you for following in the same footsteps toward making a life for yourself and their daughter?

Tell them that it's best that they make peace with the marriage so that relations are not strained in the future.

If they have no consideration for your feelings, at the very least their daughter's should matter to them.

 

You may like to see similar questions and answers below

Kanchan

Kanchan Rai  |571 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 09, 2025

Asked by Anonymous - Sep 02, 2024Hindi
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Relationship
I am an SC and my gf is brahmin, we are in love for more than 2 years and decided to marry, i convinced my parents. But her parents are cruel in this aspect only, they threaten her of her life and threatens me to complain in police, And anyone can tell that this is wrong but as parents are willing to do anything for their children, same is true with their children, I am afraid if we include authorities things might turn bad especially with our parents. They threaten her can make her say no to me if we take it legally even though she doesn’t want to. I am financial independent but she has spent her entire life (age 29) in her house, what can we do?
Ans: Right now, the most important thing is her safety. If her parents are threatening her life or their own, this is not just emotional blackmail—it’s a serious matter. You need to be very careful in handling this, as forcing a confrontation might make them act irrationally. The key is to ensure that she is safe and mentally strong enough to withstand their pressure.

Since she has never lived outside her home, she may feel emotionally trapped, making it easier for her parents to manipulate her. She needs support—emotionally and, if needed, physically—to make a decision based on what she truly wants, not out of fear. Talk to her about the worst-case scenarios and how she would handle them. Would she be able to leave if things got too dangerous? Does she have someone in her family or social circle who might support her?

If her safety is at risk, you may need to consider helping her get a temporary safe space where she can think clearly. It could be a trusted friend’s house, a working women’s hostel, or even reaching out to women’s rights organizations that help in cases like this.

Taking legal action is tricky in such cases, as coercion can make her parents force her into saying things she doesn’t mean. Instead of rushing into legal intervention, consider gathering evidence—texts, recordings (if legal in your region), or anything that proves coercion or threats. This will help if things escalate.

If you both are truly committed, then marriage under the Special Marriage Act can be an option, but only if she is mentally and emotionally prepared for the backlash. She will need to stand strong, and you both need to have a plan for what comes next. How will she deal with the emotional toll? Where will she stay after marriage? What if her parents try to contact her after marriage? These are tough questions, but answering them now will help you prepare.

You are not alone in this. Many couples have faced similar situations, and while it is heartbreaking, some have succeeded in making it through. The key is patience, emotional strength, and ensuring that no one is in immediate danger. Encourage her to speak to a counselor or someone she trusts who is neutral but supportive. If she is feeling overwhelmed, it’s important that she knows she has choices beyond what her parents are forcing upon her.

At the end of the day, love should not be a battle of survival, but sometimes, in societies like ours, it becomes one. Be strong, be careful, and take steps that ensure both of you are safe first—everything else can be figured out step by step.

..Read more

Kanchan

Kanchan Rai  |571 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 09, 2025

Asked by Anonymous - Sep 07, 2024Hindi
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Relationship
I am an SC and my gf is brahmin, we are in love for more than 2 years and decided to marry, i convinced my parents. But her parents are cruel in this aspect only, they threaten her of her life and threatens me to complain in police, And anyone can tell that this is wrong but as parents are willing to do anything for their children, same is true with their children, I am afraid if we include authorities things might turn bad especially with our parents. They threaten her of her life and killing themselves, can make her say no to me if we take it legally even though she doesn’t want to. I am financial independent (age 29) but she has spent her entire life (age 29) in her house, what can we do?
Ans: Right now, the most important thing is her safety. If her parents are threatening her life or their own, this is not just emotional blackmail—it’s a serious matter. You need to be very careful in handling this, as forcing a confrontation might make them act irrationally. The key is to ensure that she is safe and mentally strong enough to withstand their pressure.

Since she has never lived outside her home, she may feel emotionally trapped, making it easier for her parents to manipulate her. She needs support—emotionally and, if needed, physically—to make a decision based on what she truly wants, not out of fear. Talk to her about the worst-case scenarios and how she would handle them. Would she be able to leave if things got too dangerous? Does she have someone in her family or social circle who might support her?

If her safety is at risk, you may need to consider helping her get a temporary safe space where she can think clearly. It could be a trusted friend’s house, a working women’s hostel, or even reaching out to women’s rights organizations that help in cases like this.

Taking legal action is tricky in such cases, as coercion can make her parents force her into saying things she doesn’t mean. Instead of rushing into legal intervention, consider gathering evidence—texts, recordings (if legal in your region), or anything that proves coercion or threats. This will help if things escalate.

If you both are truly committed, then marriage under the Special Marriage Act can be an option, but only if she is mentally and emotionally prepared for the backlash. She will need to stand strong, and you both need to have a plan for what comes next. How will she deal with the emotional toll? Where will she stay after marriage? What if her parents try to contact her after marriage? These are tough questions, but answering them now will help you prepare.

You are not alone in this. Many couples have faced similar situations, and while it is heartbreaking, some have succeeded in making it through. The key is patience, emotional strength, and ensuring that no one is in immediate danger. Encourage her to speak to a counselor or someone she trusts who is neutral but supportive. If she is feeling overwhelmed, it’s important that she knows she has choices beyond what her parents are forcing upon her.

At the end of the day, love should not be a battle of survival, but sometimes, in societies like ours, it becomes one. Be strong, be careful, and take steps that ensure both of you are safe first—everything else can be figured out step by step.

..Read more

Latest Questions
Janak

Janak Patel  |28 Answers  |Ask -

MF, PF Expert - Answered on Apr 11, 2025

Asked by Anonymous - Mar 25, 2025Hindi
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Money
I am 40 yr old divorced man with a 10 year old son. I live in my own house in a tier 2 city. I have savings of around 5 Cr and no liabilities. I am expecting to live until I am 80. Can I retire now expecting 3 lac monthly income matching inflation for the rest of my life? I have accounted my son's education, medical insurance and yearly vacation in India. Would that be enough? If not, then how much should I save until I turn 45 yr old. Thank you!
Ans: Hi,

At age of 40, you have already accumulated 5 Cr with no liabilities and your own house, that is a tremendous achievement.

The monthly income of 3 lakhs (inflation adjusted) for 40 years - as mentioned will cover your requirements of son's education, medical insurance and vacation. If we assume inflation of 6% and average return on your corpus of 12% over the next 40 years, you will require approximately 6 Cr (not considering tax implications).

Please understand this amount will be exhausted over the next 40 years, so if you plan to leave behind any legacy for your son/grand children then you will need more.

Also your corpus amount needs to be well diversified into aggressive and conservative investments to support your monthly requirements over the next 40 years. Please consult a CFP for guidance in this matter as along with your monthly income expectation, you will need to plan for tax implications. The overall strategy for investment and subsequent withdrawal needs to be planned taking all these factors into consideration. A CFP will be able to craft your personalized plan to meet your requirements and provide options and alternatives to achieve them.

Thanks & Regards
Janak Patel
Certified Financial Planner.

...Read more

Janak

Janak Patel  |28 Answers  |Ask -

MF, PF Expert - Answered on Apr 11, 2025

Asked by Anonymous - Mar 24, 2025Hindi
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Money
I want guidance on retirement planning. Having corpus of 3 CR in liquid, 45l savings in FD. With no bank loans and own home. Have 2 more houses and getting rent of 37k .Kids are in class 1 and class 0 I need to provide support for their education which might overall cost around 2 CR. Is my corpus enough to retire now and take care of cost of living. My age is 37 years. My monthly expense is around 1.5 lakhs. I have medical insurance policy of 20 lakhs. And I have two polices like yearly 10L for next 5 years for the kids
Ans: Hi,

Current state of your finances
Liquid Corpus - 3 Cr
Savings FD - 45 lakhs
Rent income - 37000

Monthly expenses - 1.5 lakhs

If we consider the above, then the monthly expenses will be covered for about 35 years (assuming inflation of 5-6% and average returns of 8%). This doesn't include the education expenses for your 2 children.

Retirement is now typically planned for up to age of 85 years (i.e. 43 years for you). Hence in your situation you have a challenge to support monthly expenses for retirement and children education.

You have 2 more houses and without knowing your intent for their usage/sale and their value it becomes difficult to indicate if they would be sufficient to support the 2 major goals you have listed.
Also with current lifestyle and medical expenses, the health insurance of 20 lakhs may need to be ramped up to a much higher amount.
Also you have not shared much details of your Insurance policies to understand if they are the appropriate ones and if the risk cover is sufficient.

Another important aspect to consider for early retirement is - how will you keep yourself occupied. You will have a lot of time on hand and do you plan to monetize your time by engaging in some financially rewarding activities. This will also have an impact on the overall state of your well-being - financially and psychologically.

I would highly recommend that you consult with a CFP who can guide you with a well defined Financial plan, this will include all your requirements and provide you with options and alternatives. You will need to have a plan of investment that meets your goals, plan risk covers for securing future of your family (Life and health) and consider tax implications of investing and subsequent utilization of the corpus for goals. So its an elaborate plan that will be personalized for you which will help you understand the right time for retirement and what to expect pre and post retirement.

Thanks & Regards
Janak Patel
Certified Financial Planner.

...Read more

Dr Nagarajan Jsk

Dr Nagarajan Jsk   |317 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Apr 10, 2025

Dr Nagarajan Jsk

Dr Nagarajan Jsk   |317 Answers  |Ask -

NEET, Medical, Pharmacy Careers - Answered on Apr 10, 2025

Listen
Career
What is minimum requirement for a Tamilnadu state board student to enter mbbs in AFMC?
Ans: Hi Ani,

Regardless of whether you are from Tamil Nadu or another state, there are certain requirements you must fulfill. First, you need to be eligible for NEET. After that, you must pass the AFMC entrance test, and finally, you need to meet the medical fitness standards.

Most importantly, you are required to serve the nation for a specific period after completing your studies. Age criteria are also significant.
Please see the requirements outlined below:
Age: 17-24yrs
Academic qualitfication: FIRST ATTEMPT with English, Physics, Chemistry and Biology/ Bio-technology taken simultaneously and securing not less than 60% of the aggregate marks in these three science subjects taken together and not less than 50% marks in English and 50% marks in each of the science subjects. They must have also passed an examination in Mathematics of the tenth standard.
Candidates seeking admission for MBBS course at AFMC Pune will have to mandatorily qualify the NEET UG 2024 Examination conducted by National Testing Agency (NTA). 11. Eligible candidates who are interested to join AFMC, Pune to pursue the MBBS course will have to mandatorily register and apply for AFMC, Pune on DGHS

The shortlisted candidates will be called for screening which comprises of Test of English Language and Reasoning (ToELR), Psychological Assessment Test (PAT), Interview and Medical Examination at AFMC, Pune.

ToELR & PAT - Test of English Language and Reasoning (ToELR) in the form of Computer Based Test (CBT) and also Psychological Assessment Test (PAT) to be conducted at AFMC, Pune only for candidates shortlisted for interview. (t) Written Examination Score - Score obtained in NEET (UG) 2024 (720 marks) added to ToELR Score (80 marks) divided by 4 to get a score out of 200. (u) Final Score - Written examination score (200 marks) + Interview marks (50 marks).

MEDICAL FITNESS: MANDATORY AS PER AFMC

POOCHO. LIFE CHANGE KARO.

...Read more

Ramalingam

Ramalingam Kalirajan  |8206 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 10, 2025

Asked by Anonymous - Apr 10, 2025Hindi
Money
I'm 41 years old. My portforlio consist of 27L in mutual funds, 35L in stocks and 5L in NPS. I want to have a corpus of 30cr by 60. My monthly mutual fund SIP is 1.2L and NPS is 20K. Can you advise if my curent SIP will help in achieving my desired corpus by 60.
Ans: You are 41 and aiming for a Rs. 30 crore corpus by age 60. That gives you 19 years to build your wealth. You have a strong monthly SIP of Rs. 1.2L in mutual funds and Rs. 20K in NPS, which shows high commitment. Let’s analyse in detail whether your current strategy is enough, and what changes, if any, are needed.

Portfolio Snapshot
Age: 41

Goal: Rs. 30 crore by age 60 (retirement corpus)

Current Investments:

Mutual Funds: Rs. 27L

Stocks (direct equity): Rs. 35L

NPS: Rs. 5L

Monthly Investment:

Mutual Fund SIP: Rs. 1.2L

NPS Contribution: Rs. 20K

360-Degree Assessment: Can You Reach Rs. 30 Crores?
Let us now break your journey into parts:

1. Time Horizon – You Have 19 Years
That’s a decent long-term window.

Compounding will support you well over this period.

However, the earlier years are more powerful.

Your current age requires disciplined allocation, with some risk.

2. Current Corpus – Rs. 67L in Total
Mutual funds: Rs. 27L

Stocks: Rs. 35L

NPS: Rs. 5L

Total: Rs. 67L

This base amount gives you a strong head start.

You are not starting from zero. That’s an advantage.

3. Monthly Contribution – Rs. 1.4L Combined
Rs. 1.2L in mutual fund SIPs

Rs. 20K in NPS

That’s Rs. 16.8L per year

Over 19 years, that’s Rs. 3.19 crore invested capital

Now the key is the return you generate

4. Required Growth Rate – Let’s Evaluate That
To grow Rs. 67L + Rs. 3.2 crore to Rs. 30 crore in 19 years,

You’ll need an average return around 13% to 14% annually.

That’s achievable, but not guaranteed.

It depends on:

Fund categories

Asset allocation

Risk management

Market behaviour

5. Mutual Fund SIP – Is It Positioned Well?
You are doing Rs. 1.2L monthly in mutual funds.

It’s important to know how this SIP is spread:

Large-cap funds?

Flexi-cap funds?

Midcap, small-cap, or focused funds?

Any sectoral or thematic funds?

You need a strong tilt towards equity for this goal.

A suggested split (approximate):

40% flexi-cap + large-cap for stability

40% mid-cap and small-cap for growth

20% focused or thematic for alpha potential

SIP in actively managed funds through a Certified Financial Planner is key.

Avoid direct funds. They don’t offer ongoing reviews and rebalancing.

6. Stock Portfolio – Rs. 35L
Direct equity adds potential for high returns.

But it also adds volatility and risk.

Ask yourself:

Is your stock portfolio diversified?

Are you tracking and rebalancing regularly?

Do you have exposure to quality sectors?

Are you avoiding over-concentration?

A well-researched, long-term approach is needed.

If your equity portfolio underperforms, it will impact the 30 crore target.

7. NPS Contribution – Rs. 20K Monthly
NPS is good for disciplined retirement investing.

It gives tax benefits and partial equity exposure.

But it has liquidity restrictions till 60.

NPS equity cap is 75% (tier I) – may not match mutual fund returns.

Don’t depend on NPS alone for growth.

Use it as a stable secondary engine.

8. Inflation Consideration – A Hidden Threat
Over 19 years, inflation can reduce the purchasing power of money.

Your Rs. 30 crore should be inflation-adjusted.

So, real value might be around Rs. 10 crore in today’s money.

That’s still a strong and ambitious target.

9. Risk Management – Vital in This Journey
You are aiming high. So, managing downside risk is critical.

Follow asset allocation and rebalancing.

Add short-term debt or arbitrage funds gradually for stability.

Stay diversified across sectors and market caps.

Use SWP approach after 60 to withdraw smartly.

10. Things You Must Review Annually
Fund performance – replace consistent underperformers.

Asset allocation – rebalance equity vs. debt mix.

Goal progress – are you on track or lagging?

Market trend – adjust SIPs, if needed, during prolonged downtrends.

Tax planning – optimise long-term capital gains and exemptions.

11. Avoid These Common Mistakes
Over-exposure to single stock or single sector.

Stopping SIPs during a market fall.

Investing in direct mutual funds without professional guidance.

Reacting emotionally to market volatility.

Ignoring NPS or mutual fund reviews for many years.

12. Strategies That Will Help You Reach 30 Crores
Stay fully invested in equity-oriented funds for at least 14-15 years.

Use staggered allocation in mutual funds through SIP and STP.

Review your SIP growth annually and increase if surplus exists.

Keep emergency funds separate. Don't touch your investment portfolio.

Avoid ULIPs, endowment plans, or investment-linked insurance.

13. Should You Increase Your SIP Further?
Yes, if you can spare more each year, do step-up SIPs.

Even a 10% annual SIP increase will have massive impact.

Try to reach Rs. 2L/month SIP over next 5 years.

That alone can help you comfortably touch Rs. 30 crore or more.

14. Plan for Retirement Withdrawal Now Itself
Once you hit Rs. 30 crore, have a clear exit plan.

Use a bucket strategy post-retirement:

Short-term for next 2 years

Medium-term for 3–5 years

Long-term growth beyond 5 years

This ensures safe, inflation-beating, and tax-efficient retirement income.

Finally
Your current investments are strong and well-disciplined.

But Rs. 30 crore in 19 years needs growth, not just savings.

Equity mutual funds and stocks must stay efficient and well-reviewed.

A 13–14% average return is needed — possible, but needs active monitoring.

Review your SIPs yearly. Increase them as your income grows.

Get portfolio reviews regularly from a Certified Financial Planner.

Avoid short-term panic. Think long. Think big. Stay consistent.

With this discipline and structure, yes, you can reach your Rs. 30 crore goal.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ramalingam

Ramalingam Kalirajan  |8206 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 10, 2025

Asked by Anonymous - Apr 09, 2025Hindi
Money
Sir, I retired in January and received 50 lacs as super annuation fund. Is it right to invest money in SWP based mutual funds now? Please suggest me. If not, please suggest alternative investment.
Ans: congratulations on your retirement. Receiving Rs. 50 lakhs as superannuation is a good milestone.

You have asked whether it is right to invest in SWP-based mutual funds now. That’s a very wise and thoughtful question. Let me appreciate you first. You are not rushing. You are asking before investing. That is the right way to protect your retirement money.

Now, let me guide you step-by-step with a 360-degree assessment of your query.

Understanding Your Retirement Corpus
You have Rs. 50 lakhs in hand. This is your hard-earned money.

This money must support you for many years. You cannot take high risks with it.

At the same time, keeping it idle in a savings account is also not good.

You need regular income now, but also growth to beat inflation.

So, your investment must balance three things: safety, income, and long-term growth.

A Systematic Withdrawal Plan (SWP) seems attractive. But we must evaluate it fully.

What is an SWP and How it Works
SWP is a way to get regular income from mutual funds.

You invest a lump sum in a mutual fund.

Then, you withdraw a fixed amount monthly or quarterly.

The remaining amount stays invested and continues to grow.

This works well only if you invest in the right category of fund.

Is SWP Right for You Now? Let’s Analyse
SWP is suitable when markets are relatively stable or growing.

You have just retired. Your need is regular income with less risk.

So, you cannot afford sudden market shocks.

In early retirement years, capital protection is more important than return chasing.

If the fund value falls early, your withdrawals can deplete the fund faster.

This is called “sequence of return risk”. It can damage your retirement plan.

When SWP Becomes Effective
SWP works better after first 2-3 years of staying invested.

If the market performs well in early years, your fund has more room to grow.

It becomes sustainable for 15-20 years.

But this depends on proper asset allocation and category selection.

Not all mutual fund categories are good for SWP.

Which Fund Categories Are Risky for SWP
Small-cap and mid-cap funds are risky for steady SWP.

They are volatile. They move up and down quickly.

If you withdraw during a fall, you reduce your capital.

Sectoral or thematic funds are also unsuitable for SWP.

They depend on specific sectors like pharma or energy.

Which Categories Are Better for SWP
Balanced Advantage Funds are more stable.

They switch between equity and debt automatically.

This reduces your risk during market volatility.

Some Hybrid Conservative Funds can also work well.

They hold more debt and less equity.

Should You Invest the Entire Rs. 50 Lakhs in SWP Now?
No. Do not put full amount at once into SWP mutual funds.

That will expose you to market timing risk.

You can phase your investment in steps over 6-12 months.

First, park your Rs. 50L in a short-term debt fund.

Then, use monthly STP (Systematic Transfer Plan) to move to chosen equity-oriented fund.

After 12 months, start your SWP from the accumulated amount.

What About Taxation in SWP? Know the Rules
Mutual Fund withdrawals are taxed. But only on gains, not entire amount.

For equity funds, long-term capital gains (after 1 year) above Rs. 1.25L/year are taxed at 12.5%.

Short-term capital gains (within 1 year) are taxed at 20%.

For debt funds, both long- and short-term gains are taxed as per your income slab.

So, for SWP to be tax-efficient, you must plan long-term.

Avoid withdrawing from units bought in last 12 months.

What Are The Risks If You Depend Entirely On SWP
Your monthly income is not guaranteed.

During market downturns, fund value can reduce quickly.

That can affect your ability to withdraw the same income.

Your withdrawal may also include part of your principal.

If fund underperforms for many years, you may run out of money.

SWP Must Be Part of a Bigger Strategy, Not the Only Solution
Use SWP for partial income, not full dependency.

Diversify your Rs. 50L corpus into multiple buckets.

Allocate part for safety, part for regular income, and part for growth.

This is called the "Bucket Strategy" for retirement.

Ideal Allocation Structure for Your Rs. 50 Lakhs
Bucket 1 (Safety + Emergency): Rs. 10L

Keep in high-quality bank FD or ultra short-term debt fund.

This is for next 2-3 years of expenses.

No risk. Instant access in emergencies.

Bucket 2 (Stable Income): Rs. 20L

Invest in hybrid mutual funds for SWP.

Start STP for 12 months. Then begin SWP.

Choose regular plans via MFDs with CFP credentials.

Regular plans provide support, rebalancing, and exit timing help.

Direct plans may seem cheaper but lack personal guidance.

Regular plans also have advisor accountability.

You need this after retirement more than ever.

Bucket 3 (Growth + Inflation Hedge): Rs. 20L

Invest in balanced or flexi-cap mutual funds.

These help your wealth grow over long-term.

Don’t withdraw from this for 5-7 years.

This portion helps your SWP stay sustainable for 20+ years.

What Are the Alternatives If Not SWP
You can use interest from corporate bonds and RBI bonds.

Ladder your investments across different maturity periods.

Use short-term, medium-term, and long-term bond funds.

This keeps income flowing and reduces reinvestment risk.

Combine this with systematic withdrawal from hybrid funds.

That makes your overall plan more balanced.

Things You Must Avoid
Do not go for guaranteed return schemes.

They usually give low returns after tax.

Stay away from insurance-cum-investment policies.

They lock your money for long years with poor returns.

Do not fall for high dividend paying mutual funds.

Dividends are now taxable and reduce your fund value.

Review Your Plan Every Year
Retirement planning is not a one-time activity.

You must track your income and spending yearly.

Rebalance your funds once a year with expert help.

Review tax implications regularly. Rules can change anytime.

What to Ask Your Certified Financial Planner
How much income can I draw each year safely?

What happens if the market goes down for 3 years?

Will my money last till age 90 or more?

Can my portfolio beat inflation consistently?

Are my tax liabilities under control?

What is the exit plan if I don’t need SWP later?

Finally
SWP is a good tool, but not a full solution.

You must build a proper structure before using SWP.

Use 3 buckets: emergency, income, and growth.

Take support from a Certified Financial Planner.

Go only through regular mutual fund plans.

Direct plans do not give the support you need post-retirement.

SWP should start only after careful planning and phased investment.

Don't rush. Your Rs. 50 lakhs must give you peace for many years.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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