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Kanchan

Kanchan Rai  |525 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 13, 2025

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Sistla Question by Sistla on Jan 11, 2025
Relationship

my name is madhuri. i am married for almost 8 years but not having children. I am not having sex life with my husband due to his busy work schedule i am suffering a lot due to pressure of having children.my age is 34 years and my husband age is 37 years he is bank employee. he is not interested in having sex with me he says he doesn't like me.i am depressed about it . please give any suggestions to improve our relationship.

Ans: Dear Madhuri,
it’s crucial to understand that a relationship thrives on mutual respect, communication, and emotional connection. The fact that your husband is openly expressing disinterest and lack of affection is a serious concern. It’s important to have an honest and open conversation with him about how his words and actions are affecting you. Try to create a safe space where both of you can express your feelings without judgment or blame. This conversation might help uncover underlying issues that are contributing to the distance in your relationship.

Given that he is prioritizing his work and seems detached, it might be helpful to explore whether external factors, such as stress from his job or other personal struggles, are contributing to his behavior. Understanding his perspective could provide insights into why he’s emotionally and physically withdrawn. However, his dismissive attitude towards you is something that needs to be addressed with seriousness and care.

It's equally important to focus on your own emotional well-being. Feeling neglected and pressured can lead to significant emotional distress. Consider seeking support from a counselor or therapist, either individually or as a couple. Therapy can offer a safe environment to explore your feelings, work through the pain, and develop strategies to improve communication and intimacy in your marriage.

Additionally, it’s vital to find ways to nurture yourself emotionally and physically. Engage in activities that bring you joy, seek support from trusted friends or family members, and consider joining support groups where you can connect with others who might be facing similar challenges. Your well-being is paramount, and finding ways to care for yourself can help build resilience and strength as you navigate these difficulties.

Ultimately, a healthy relationship requires effort and willingness from both partners. If your husband is unwilling to engage or make changes, it may be necessary to reflect on what you want for your future and whether this relationship is meeting your emotional needs. Remember, you deserve love, respect, and fulfillment in your marriage.
Asked on - Jan 20, 2025 | Answered on Jan 20, 2025
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thank you for your reply madam
Ans: all the best Madhuri

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Anu

Anu Krishna  |1494 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 23, 2022

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Relationship
Hi Anu, plz helpI am 42 years old and married since 9 years. We (husband and I) are childless. It's nine years since our marriage but we have not been intimate for even 90 times. My husband has no interest in sex. He had shown interest only in first week of marriage after that He never initiate. I understand his nature and always try to initiate but he always gives cold shoulder, he never reciprocates warmly, never holds me tightly or kisses willing. I always have to force' him or ask him to kiss or hug me. And this turns my mood off. This way we seldom have sex. I eagerly want it at least once a month and have told him, forced him several times but all in vain. I get frustrated. I feel restless. I can't share this with anyone. Whenever I try to get close, he ignores. Both of us respect and love each other. We don’t have extra marital affair. He cares for me too. I feel like running away from this situation but I love him and don’t want to leave him alone. Please respond.
Ans:

Dear Anonymous,

When there is a challenge with physical intimacy, it could be a physiological or a psychological problem. Either case, it needs some treatment.

But the worse could be conditioning about sex from childhood.

We all carry our maps when it comes to sex and beliefs around it. Along comes so many people and media and more who draw on these maps and we are left at the mercy of things that don’t belong to us.

Since he cares for you as you mentioned it, can you request him to sit down with you for an honest conversation where you can express all of this to him.

Who knows he might be willing to understand, and things can flow from there on.

Be kind instead of accusatory in your tone during the conversation. This will help ease him as well. But of course, if he resists the request, you might suggest that he see a professional.

It might again be met with some resistance but well, you need to try every trick in the book to meet an outcome.

Also, be aware that physical intimacy happens when the closeness develops outside the bedroom. So, spend a lot of time together, laugh a lot.

Praise his efforts in the marriage and appreciate the qualities in him.

Most often men who avoid sex simply suffer from low self-esteem and self-worth. So, play along and mean every compliment from the heart.

Best wishes to you!

..Read more

Anu

Anu Krishna  |1494 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 10, 2025

Asked by Anonymous - Jan 07, 2025Hindi
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Relationship
Hi Anu I need advice for my marriage. Ours was love cum arrange marriage 14 yrs ago.For first few years all was good .I am financially independent with good salary. My spouse s self employed. We hav one child 10 yrs old.My married s become more like a suffocating situation which I am not able to change.My husband is not at all interested in me now.He treats me invisible when it comes to husband wife relationship. He s good father and human being.But since last few yrs i am not having any emotional relationship with him.We spent so many days and time together yet not a single word of love emotions between us.He s busy with his calls mobile netflix all night while i keep awake all night.I have confronted him many times everytime he says you are always fighting with me and Want all this nonsense. He seem to avoid me all day. He want to discuss about his son and finances since i am earning more than him. its been years i cant handle it now.I want someone to look at me talk to me praise me love me.I deserve happiness but since my son is too small i can't think of living separately but i will die like this one day.I dont knw whats wrong with me seems its like he dont want to touch me as there s no physical relationship between us if we are home alone also.He tortures me mentally but remails happy.I failed as a wife despite giving my everything. I have none to discuss such embarrassing life .Pls advice what shall i do ?Should i found someone else as i dont have capacity to beg again and again?Its very difficult to imagine such long life with a partner who treats u invisible since years ?shall i shift to another city with my son?I am completely lost.Pls help everything. I cant beg for love and attention everytime
Ans: Dear Anonymous,
There's almost and always a reason for any behavior change. Maybe you might want to understand what exactly made your husband lose interest in you. Did something happen for him to look the other way?
It's really hell living with a spouse who cold shoulders and stone walls you...My suggestion: Rather than blame yourself, have a discussion and not confrontation with him. Confrontations invariably lead you nowhere as you will be caught in an ego tussle. Discussion is where you try and understand what's on his mind and share how you feel.
Now, will he want that? Maybe not...but if this continues, you may want to give him an ultimatum. He must know that he isn't making a great point by ignoring you and that he must communicate the same with you instead.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

..Read more

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Moneywize

Moneywize   |178 Answers  |Ask -

Financial Planner - Answered on Feb 06, 2025

Asked by Anonymous - Feb 06, 2025Hindi
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Money
I am 34, earning 15 LPA planning to retire at the age of 45. I want to invest 20 lakhs lump sum to generate corpus of 7 cr. Where and how should I invest?
Ans: To generate a corpus of Rs 7 crore by the time you are 45, starting with a Rs 20 lakh lump sum investment at 34, you need to consider the power of compounding, high-return investments, and disciplined portfolio management. Here's how you can structure your investments:
Key Assumptions:
1. Time Frame: 11 years (from age 34 to 45).
2. Required Corpus: Rs 7 crore.
3. Initial Investment: Rs 20 lakh.
To grow Rs 20 lakh to Rs 7 crore, the required annual return would be approximately 24% compounded annually. Achieving such high returns involves a significant degree of risk, so it's important to balance the portfolio carefully.
Investment Strategy:
1. Equity Mutual Funds (High Risk, High Return):
• Equity is the primary asset class to generate high returns over the long term. Historically, equity mutual funds can provide returns of around 12-18% annually, but this is subject to market performance.
• Suggested Funds:
o Large-cap funds: For stability and steady growth (e.g., HDFC Top 100 Fund, Mirae Asset Large Cap Fund).
o Mid-cap and Small-cap funds: Higher growth potential but more volatile (e.g., Axis Midcap Fund, Nippon India Small Cap Fund, Motilal Oswal Midcap Fund).
o Flexi-cap funds: These provide exposure to both large and mid-cap stocks (e.g., Parag Parikh Flexi Cap Fund, HDFC Flexi Cap Fund).
• Allocation for Equity Funds: Around 70-80% of your lump sum (Rs 14 lakh - Rs 16 lakh) can be invested in equity funds, targeting high growth.
2. SIP Investments (For Dollar-Cost Averaging):
• While you have a lump sum, consider continuing SIPs in equity funds over the years to help with dollar-cost averaging (DCA), which reduces the risk of investing a lump sum at market highs.
• Start SIPs of Rs 30,000-Rs 40,000 per month, targeting high-growth equity funds to further compound your wealth.
3. Hybrid Funds (Moderate Risk):
• To balance the portfolio, invest in hybrid funds, which include a mix of equity and debt. They can moderate volatility and provide steady growth.
• Suggested Funds: HDFC Hybrid Equity Fund, ICICI Prudential Balanced Advantage Fund.
• Allocation for Hybrid Funds: Around 10-15% (Rs 2 lakh - Rs 3 lakh).
4. Real Estate (Optional):
• If you have any plans of investing in real estate, a portion of your portfolio can be used here. Though real estate generally appreciates at a slower rate, it can be a good long-term investment. However, avoid allocating too much to it since real estate is illiquid.
• Allocation for Real Estate: Optional, but around 5-10% of the lump sum (Rs 1-2 lakh).
5. Debt Instruments (Low Risk, Capital Protection):
• While the primary focus should be on high-return equity, it's prudent to keep a small portion in debt funds or bonds for stability.
• Suggested Funds: HDFC Corporate Bond Fund, ICICI Prudential Liquid Fund.
• Allocation for Debt Instruments: Around 5% (Rs 1 lakh).
Expected Returns:
1. Equity Funds: Targeting returns of 15-20% annually.
2. Hybrid Funds: Targeting returns of around 10-12% annually.
3. Debt Funds: Targeting returns of 6-7% annually.
Tracking and Adjusting:
1. Monitor Portfolio: Review the portfolio every 6-12 months to ensure the investments are aligned with your goal. Consider reallocating based on market conditions.
2. Tax Considerations: Ensure tax efficiency by investing in tax-efficient funds and making use of tax exemptions (e.g., ELSS for tax saving under 80C).
3. Rebalancing: As your investment grows, shift gradually from high-risk assets (equity) to lower-risk assets (debt/hybrid) as you approach the target.
Potential Outcome:
Assuming you achieve the required return of 24% annually (through a combination of equities, SIPs, and compounding), your Rs 20 lakh investment can grow significantly by 45. However, the exact growth rate will depend on market performance, the consistency of returns, and your disciplined investment approach.
Conclusion:
Achieving a Rs 7 crore corpus from Rs 20 lakh in 11 years is ambitious but possible with a high-risk, high-return strategy. By focusing on equity mutual funds, balancing with hybrid and debt funds, and continuing SIPs, you can potentially achieve your goal. However, monitor the portfolio periodically and adjust your strategy based on market conditions and risk tolerance.

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Moneywize

Moneywize   |178 Answers  |Ask -

Financial Planner - Answered on Feb 06, 2025

Asked by Anonymous - Feb 06, 2025Hindi
Money
I am 38, living with my parents who have savings of Rs 40 lakhs and monthly pension of Rs 15,000. I live in a house valued at 1.5 crore, a car and a corpus of 50 lakh. My annual salary is 15 lakh, my wife, 32, a teacher, earns 8 lakh per annum. Our daughter is 11 years and we have invested 30 lakh for her education. Will it be a good idea to retire at 48? Hopefully my daughter will be a graduate by then.
Ans: Retiring at 48 is an ambitious goal, especially given that your daughter will be in the later stages of her education at that time. However, it can be achievable with the right strategy, keeping in mind that both your current and future financial needs (such as your daughter's education, living expenses, and healthcare) should be carefully planned.
Key Financial Points:
1. Current Assets & Liabilities:
o Savings and investments: Rs 50 lakh corpus + Rs 40 lakh savings from your parents.
o House: Rs 1.5 crore (valuable asset, no immediate cash flow but provides stability).
o Car: An asset, though it depreciates.
o Monthly Pension: Rs 15,000 (provides additional cash flow).
2. Income:
o Your Salary: Rs 15 lakh per annum.
o Wife's Salary: Rs 8 lakh per annum.
o Total household income: Rs 23 lakh annually (pre-tax).
3. Daughter’s Education:
o You’ve already invested Rs 30 lakh for her education, which can cover part of her expenses, but you need to plan for the balance.
4. Retirement Goal:
o Retiring at 48 means you’ll need a substantial retirement corpus to cover your lifestyle expenses, especially since you plan to live without any active income.
o Estimate your monthly living expenses (post-retirement) considering inflation, healthcare, and contingencies.
Key Considerations for Retirement at 48:
1. Monthly Expenses Post-Retirement:
o Assuming your family needs Rs 60,000 per month (inflated from your current expenses) and an additional Rs 30,000 for health and emergency purposes, your annual expenses would be approximately Rs 10 lakh. This figure may rise over time due to inflation.
2. Corpus Needed:
o If you plan to live on Rs 10 lakh per year post-retirement, assuming a withdrawal rate of 4% (a standard guideline for sustainable withdrawals), you would need a retirement corpus of Rs 2.5 crore.
o If your daughter's education expenses require more funding, factor that in as well.
3. Current Assets & Future Growth:
o Savings Growth: Your Rs 50 lakh corpus can grow if invested well in equity mutual funds, stocks, or balanced funds (expected returns of around 10-12% p.a.).
o Parents’ Savings: The Rs 40 lakh savings from your parents can be used to generate returns in low-risk avenues like debt funds or fixed deposits, if they plan to support your retirement plans.
4. Planning for Future Education & Miscellaneous Expenses:
o Your daughter’s education will likely require more than Rs 30 lakh for her undergrad and possibly postgraduate education. Estimate the total requirement (say Rs 50-60 lakh for the complete course, including inflation) and plan for it.
5. Retirement Income Strategy:
o Pension or Annuity: Consider a monthly income plan or annuity products to ensure a steady stream of income during retirement. For example, a monthly annuity from your parents' corpus or part of your own corpus can provide financial stability.
6. Investment Strategy:
o Equity Mutual Funds: Start or increase SIPs in equity mutual funds (for long-term capital growth). Equity can provide high returns but also carries risk, so it’s ideal for long-term goals like retirement.
o Debt Funds: Consider shifting to debt or hybrid funds as you approach retirement to preserve capital.
o Real Estate: Your house is a valuable asset, and if you plan to sell or downsize in the future, it can be a key part of your retirement corpus.
Steps to Achieve Your Retirement Goal:
1. Increase Savings:
o Save a higher portion of your monthly salary towards retirement, even increasing your SIPs or contributions in the coming years. Aim to invest at least 30-40% of your combined income in SIPs or mutual funds.
2. Asset Allocation:
o Focus on equity funds for growth in the early years. As retirement nears, shift some of the corpus to safer instruments like debt funds or bonds.
3. Plan for Healthcare:
o Healthcare costs can significantly impact retirement. Ensure you have adequate health insurance for yourself and your family, considering long-term care as well.
4. Create a Contingency Fund:
o Have an emergency fund equivalent to 12-18 months of expenses to avoid dipping into retirement savings during emergencies.
5. Revisit Your Goal Periodically:
o Regularly check your progress and adjust your investments based on market performance, income changes, and any unexpected expenses (e.g., your daughter’s education needs).
Conclusion:
• Retiring at 48 is a feasible goal, but it will require diligent planning and a disciplined investment approach. Your savings and investments should aim to grow sufficiently over the next 10 years to generate a steady income stream, along with provisions for your daughter’s higher education.
• With careful asset allocation and savings growth, your goal of retiring by 48 and managing your family’s finances can be well within reach.

...Read more

Moneywize

Moneywize   |178 Answers  |Ask -

Financial Planner - Answered on Feb 06, 2025

Asked by Anonymous - Feb 06, 2025Hindi
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Money
I am 34 years old and have no savings or EMIs. I live with my parents and earn Rs 35,000 a month with an annual bonus of Rs 18,000. I want to retire at 50 and settle in my home town. What is the best way for me to plan and invest for my retirement?
Ans: To achieve your goal of retiring at 50 and settling in your hometown, the key is to start investing early and developing a disciplined savings strategy. Here's how you can plan:
1. Determine Your Retirement Corpus
• To retire at 50, you need to calculate how much you’ll need to live comfortably. Consider your current lifestyle and future expenses.
• You can aim for a corpus that supports 70-80% of your pre-retirement income annually. For example, if you plan to need Rs 50,000 per month (Rs 6 lakh annually) in retirement, you'll need a corpus of Rs 1.5 to Rs 2 crore, depending on the duration of your retirement.
2. Build an Emergency Fund
• Set aside an emergency fund of 3-6 months of living expenses. This provides financial security in case of unexpected situations. You can keep this fund in a high-interest savings account or liquid mutual funds.
3. Invest in Retirement-Specific Instruments
• Public Provident Fund (PPF): PPF is a great long-term investment for retirement due to its tax benefits and safety.
• National Pension Scheme (NPS): NPS is another good option that offers both equity and debt exposure. It's designed for retirement and provides tax benefits.
• Mutual Funds: Start a Systematic Investment Plan (SIP) in equity mutual funds (consider a mix of large-cap, mid-cap, and hybrid funds) for higher returns over the long term. Even though mutual funds come with some risk, they can offer substantial growth over time.
4. Invest in Stocks (for higher returns)
• If you're comfortable with higher risk, you can invest in individual stocks or equity mutual funds to generate wealth. Ensure to do thorough research before investing or consider opting for managed portfolios if you're new to investing.
5. Keep Your Expenses Low
• Since you live with your parents and don’t have major expenses, this is an opportunity to save a significant portion of your income. Consider saving and investing 30-50% of your monthly income in the beginning.
6. Automate Your Investments
• Set up automatic monthly transfers into your investment accounts (like SIPs in mutual funds) to ensure consistent investing.
7. Maximize Tax Benefits
• Contribute to tax-saving instruments like ELSS (Equity Linked Savings Schemes), PPF, and NPS to reduce your taxable income.
• For long-term capital gains, keep in mind the tax exemptions and favorable tax rates for certain investment vehicles like PPF and NPS.
8. Increase Investment with Income Growth
• As your salary increases over the years, make sure to increase your investment amount accordingly. If you receive additional bonuses or increments, allocate a portion of them to your retirement fund.
9. Diversify Your Portfolio
• Diversification can help manage risk. Apart from mutual funds, PPF, and NPS, you could consider investments in gold or real estate if suitable for your situation.
10. Track and Rebalance Your Portfolio
• Regularly review your portfolio and rebalance it based on your retirement goals and market conditions. It’s also important to monitor inflation rates and adjust your goals accordingly.
Example Plan (Rs 35,000/month income):
• Monthly Savings (30% of income): Rs 10,500
• Bonus (Annually): Rs 18,000, invest 50% of it (Rs 9,000)
• Total Monthly Investment: Rs 10,500 + Rs 750 (bonus contribution) = Rs 11,250
• Invest in equity mutual funds via SIP: Rs 8,000
• PPF: Rs 2,000
• NPS: Rs 1,250
Potential Returns:
Assuming a return of 12% per annum from equity investments, you could accumulate a substantial corpus over time. If you start early, even small, consistent investments can lead to significant wealth.
Key Takeaways:
• Start investing early to take advantage of compounding.
• Aim to save and invest a portion of your income regularly.
• Focus on building a retirement-specific portfolio with tax-saving benefits.
• Gradually increase your savings as your income grows.

...Read more

Ramalingam

Ramalingam Kalirajan  |7872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 06, 2025

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As per Budget 2025, for income upto ₹12 Laks has zero Income Tax liability. But the Tax slabs start from ₹0 to ₹4 Laks, which should have started from ₹12 Laks to ₹16 Laks, as income up to ₹12 Laks has zero Tax applicable. Also under Budget 2025, who is required to file Return compulsorily?
Ans: In the Union Budget 2025, the Indian government introduced changes to the income tax structure. The new tax regime now offers a basic exemption limit of Rs. 4,00,000. Individuals earning up to Rs. 12,00,000 annually are eligible for a rebate under Section 87A, which effectively brings their tax liability to zero.

Addressing Your Concern

You mentioned that the tax slabs should begin from Rs. 12,00,000, given the exemption up to Rs. 12,00,000.However, the tax slabs are designed to follow a progressive system. The initial slab of Rs. 0 to Rs. 4,00,000 ensures tax relief for lower-income groups.

Additionally, the Rs. 12,00,000 limit is specifically available as a rebate for income from salary and business/professional sources only. For individuals earning other income (such as rental income, capital gains, etc.), the tax will apply starting from Rs. 4,00,000. This is why the slab starts from Rs. 0 to Rs. 4,00,000.

Thus, the tax liability structure is based on the source of income, with the rebate applicable only for salary and business/professional income. The objective is to provide targeted relief to salaried individuals and small businesses while still taxing other types of income starting from Rs. 4,00,000.

Mandatory Income Tax Return Filing

As per Budget 2025, the requirement to file an Income Tax Return (ITR) remains unchanged. Individuals whose total income exceeds the basic exemption limit (Rs. 4,00,000) are required to file an ITR. Even if your income is below the taxable limit, filing an ITR can be advantageous for reasons like claiming refunds, applying for loans, or proving your income for future financial planning.

Final Insights

The revised tax slabs aim to provide relief to those with lower incomes while ensuring a fair contribution from all income groups. The structure encourages compliance and simplifies the tax process for salaried and small-business earners, while still ensuring taxes on other sources of income.

Best Regards,

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

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Ramalingam

Ramalingam Kalirajan  |7872 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 06, 2025

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How partial withdrawal from NPS Tire 2 account for house building construction will be taxed? Is it true that Principle/invested amount also attract tax ?
Ans: NPS Tier 2 is a voluntary savings account linked to NPS. It allows flexible withdrawals. However, the taxation rules for withdrawals are different from NPS Tier 1.

Understanding Tax on NPS Tier 2 Withdrawals
1) Entire Withdrawal is Taxable
Withdrawals from NPS Tier 2 do not get any tax exemption.

The entire amount, including the principal and gains, is taxed as per your income slab.

2) No Special Tax Benefits for House Construction
There are no separate tax exemptions for withdrawing from NPS Tier 2 for house construction.

Unlike NPS Tier 1, which has some tax-free components, Tier 2 is treated like a regular investment.

3) Principle Amount is Also Taxed
The invested amount (principal) was not taxed earlier because there was no tax benefit on investment.

However, when withdrawn, it is added to your total income and taxed as per your slab.

4) Tax Deducted at Source (TDS) May Apply
If the withdrawal amount is large, TDS may be deducted.

The withdrawn amount is still subject to final tax calculation based on your total income.

Better Alternatives for Funding House Construction
If you need funds for house construction, consider other investment withdrawals that have tax benefits.

Withdrawing from a mutual fund with long-term capital gains benefit may be more tax-efficient.

Fixed deposits may be an option, but the interest earned is taxable.

Finally
NPS Tier 2 withdrawals are fully taxable.

The entire amount, including the principal, is added to your income.

There is no special tax exemption for withdrawing for house construction.

Explore other tax-efficient sources for funding home construction.

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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