I'm an orphan and somehow I'm financially stable. After Covid my wife also lost almost all her family members. So kind of both are orphans now.

We want at least 10 children now and this is well thought decision.

My wife is over 35 still recovering with post Caeserian trauma after our 1st child naturally our target is impossible now however best sex or ways we try.

She too is ready for anything any relationship which can give us minimum 10 children (genetically ours) and adoption we'll consider only out of love and not this or other needs, to add family beyond 10 children, if possible.

With nasty bad luck, we have no other choice except this well thought decision.

Kindly help us know how we can achieve. We're ready for any sort of extra marital or any other relationships or surrogacy etc.

Please help Anu ma'am.

Ans: Early Retirement Plan for Prabhakar (Age 33) - Reaching a ?5 Crore Corpus by Age 45
Retiring at 45 with a ?5 crore corpus is an ambitious goal, but achievable with a strategic and aggressive investment plan. Here's a roadmap to guide you, Prabhakar:

1. Analyzing Your Current Situation:

Savings: You have ?50 lakh invested in mutual funds and a monthly salary of ?60,000. This is a good starting point.
Time Horizon: You have 12 years (till age 45) to reach your target corpus.
Required Investment: To reach ?5 crore in 12 years, you'll need a high investment rate due to the short timeframe.
2. Investment Strategy:

High Equity Allocation: Considering your long investment horizon and risk tolerance (discuss risk tolerance with your advisor), a significant portion (70-80%) of your investments should be in equity mutual funds. Aim for diversified funds across market capitalization (large-cap, mid-cap, small-cap) and sectors.
Debt Allocation: Maintain a 20-30% allocation in debt instruments like PPF, EPF (if applicable), or low-risk debt funds for stability and emergency purposes.
SIPs and Additional Investments: Increase your SIP contributions significantly. Consider investing a substantial portion of your monthly salary (around ?40,000 - ?50,000) in equity SIPs. Explore lump sum investments (bonuses, inheritances) into equity funds for faster corpus building.
3. Aggressive Growth (High Risk):

Direct Equity: A small portion (5-10%) can be allocated to directly investing in high-growth potential stocks. This approach offers potentially higher returns but carries significant risk. Conduct thorough research before choosing individual stocks.
4. Important Considerations:

Risk Tolerance: This aggressive strategy involves a higher risk profile. Carefully assess your risk tolerance and comfort level with potential market fluctuations.
Market Volatility: Be prepared for market ups and downs. Stay invested for the long term to ride out market cycles and benefit from compounding.
Professional Guidance: Consulting a qualified financial advisor specializing in aggressive growth strategies can be highly beneficial. They can create a personalized plan considering your risk profile and investment goals.
5. Additional Tips:

Emergency Fund: Maintain a separate emergency fund (3-6 months of living expenses) to cover unexpected costs and avoid disrupting your retirement plan.
Debt Management: Clear any high-interest debt (credit cards, personal loans) to free up more funds for investments.
Lifestyle Management: Living frugally and minimizing unnecessary expenses allows you to save more and reach your target corpus faster.
Reaching a ?5 crore corpus by 45 is ambitious and requires a high-risk approach. It's crucial to understand the potential risks involved and ensure your comfort level with market volatility.

Remember, this is just a general guideline. Consulting a Certified Financial Planner for personalized advice based on your specific circumstances and risk tolerance is highly recommended.

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Ans: Can prepare for CAT along with job as long as the job allows you to prepare for 3 hours every day. So can look out for a job and simultaneously start preparing for CAT.

Ans: Your career path will depend on the kind of job you get. Look out for job. Wherever you get a good job which is to your liking you can make a career in that. While searching for a job keep your options open for good opportunities.

Ans: It will depend on his interest. In most colleges they allow you to choose the specialization after the 1st year by the time the student can get to know the different options a little in detail.
If he want to continue in IT field then there are options like Data Science, Business Analyst, Systems MBA which he can opt for.

Ans: I personally believe it is a bit expensive. But if you can afford it and there are no other good options that are available then can opt for that course.

Ans: You will have to try and reskill yourself. Do come courses in the area you want to build your career in. Before doing the courses ensure that there is demand for those skill in the industry. There are some institutes that could help you get a job once you complete the course. Can simultaneously look out for jobs through recruitment agency or job portals or through your network.

Ans: Best option is to get a job from your college through their placement process. Side by side you can apply for jobs through some placement consultancy, or upload your CV on job portals. Coneect with your seniors and check if there is vacancy in the companies they are working.

Ans: You will have to define your own career based on your interest. There are many career options available which you can choose based on your interest. Some of them include, sales, finance, logistics, recruitment, hr, etc.