Married for 5 Years but Feeling Lonely - Can I Bridge the Emotional Gap?

Ans: Hello;

1. You have 2 options of long term capital gain tax working because you have old land.
a.200-1=199 Lakhs on this a tax of 12.5% i.e.24.875 Lakhs
b.200-x=xyz Lakhs on this a tax of 20%
Where "x" is the inflation indexed cost of acquisition
You may consult a CA for calculating "x" for you and also recommending ways in which you can avoid payment of this tax based on provisions of income tax act.

If you can save on entire tax payment by reinvesting the capital gain from land sale into real estate then it makes sense to invest in real estate. You may rent out part of your real estate to earn rental income.

You may do a monthly sip of `90 K in an equity savings type mutual fund with low to moderate risk for 7 years.

It may grow into a sum of 1 Cr after 7 years assuming modest return of 9%. It may be utilised to fund higher education of your kid and partially funding your retirement income in addition to rental income.

Best Wishes;
X: @mars_invest

Ans: Hello;

You have done big injustice to yourself based on one isolated instance. That is the reason why investor risk assessment is so crucial before suggesting particular investment product to him.

The corpus you have right now is not sufficient to generate monthly income to cover your regular expenses.

You need to think about higher education expenses for your son too.

If you do a monthly sip investment of ~ 80-90 K in a equity savings type mutual fund with low to moderate risk rating for 7 years you may have a corpus of around 90-100 Lacs in 7 years, assuming 9% return.

It will help to build corpus for your kid's higher education plus support your retirement corpus.

Happy Investing;
X: @mars_invest

Ans: Hello;

It is a unit linked pension plan with mandatory 5 year lock-in.

Even at maturity you can commute only 60% of the fund value and necessarily have to buy annuity for the balance 40%.

Best Wishes;
X: @mars_invest

Ans: Hello;

You need not close your investment in debt funds, in fact increase it further.

You should move away from equity(0-20%) in a big way since you are approaching retirement age.

Invest in gold funds(10-20%) and multi asset allocation/equity savings type of funds.

Happy Investing;
X: @mars_invest

Ans: You have created a goal-based portfolio with clear time horizons and objectives. Your focus on mutual funds is a good step, but a few changes can improve efficiency and alignment with your goals. Below is a detailed assessment of your portfolios along with recommendations.

General Observations
Your allocation demonstrates clarity and a structured approach.

The presence of equity, debt, and hybrid funds ensures a balanced risk-return ratio.

However, index funds dominate the portfolio. Actively managed funds could enhance returns for long-term goals.

Introduction of direct plans indicates cost-consciousness, but regular plans with MFD guidance may offer personalised benefits.

Portfolio: Daughter's Marriage and Son's Education
Time Horizon: 7 years

Current Allocation:

45% in a Nifty 50 index fund.

15% in a Nifty Next 50 index fund.

15% in a flexi-cap fund.

25% in a corporate bond fund.

Observations:
A 60% allocation to index funds reduces potential for excess returns.

Index funds lack active management and struggle in volatile markets.

A flexi-cap fund adds diversification but needs a higher allocation.

The corporate bond fund ensures stability but may need a dynamic bond fund for better yields.

Recommendations:
Reduce index fund allocation to 30%.

Allocate 30% to flexi-cap funds for higher long-term growth.

Keep 25% in corporate bond funds. Consider dynamic bond funds for better returns.

Add 15% in a balanced advantage or hybrid fund for stability.

Portfolio: Retirement
Time Horizon: 10 years (Shifting to debt from 6th year)

Current Allocation:

55% in a Nifty 50 index fund.

15% in a Nifty Next 50 index fund.

15% in a mid-cap index fund.

15% in a flexi-cap fund.

Observations:
Index funds dominate 70% of the portfolio, limiting active opportunities.

Mid-cap exposure enhances growth but carries higher risk.

Transitioning to debt from the 6th year is a sound strategy.

Recommendations:
Reduce index funds to 40%. Allocate this to a mix of large-cap and flexi-cap funds.

Increase flexi-cap funds from 15% to 30% for better returns.

Keep 15% in mid-cap funds for growth potential.

From the 6th year, add short-duration debt funds and balanced advantage funds.

Ensure regular reviews to rebalance equity and debt exposure.

Portfolio: Buying Car/Wealth Creation
Time Horizon: 7 years

Current Allocation:

50% in a Nifty 50 index fund.

30% in an aggressive hybrid fund.

20% in a corporate bond fund.

Observations:
The 50% allocation to index funds could limit wealth creation potential.

Aggressive hybrid funds balance risk and growth but may require diversification.

Corporate bond funds are stable but could be supplemented with higher-yielding instruments.

Recommendations:
Reduce index fund allocation to 30%.

Increase allocation to aggressive hybrid funds to 40%.

Replace 20% corporate bond allocation with dynamic or medium-duration debt funds.

Add 10% in a multi-asset fund for further diversification.

Analytical Perspective: Index Funds vs Actively Managed Funds
Index Funds: Passive funds with lower costs but limited returns in volatile or bearish markets.

Actively Managed Funds: Outperform during economic cycles with professional fund manager expertise.

Actively managed funds can help maximise returns in your portfolios.

Investing via MFD ensures periodic reviews and customised advice.

Disadvantages of Direct Plans
Direct plans may reduce costs, but lack personalised guidance.

MFDs with CFP credentials align funds with your goals and monitor performance.

Regular plans save time and effort while offering expert insights.

Taxation Impact
Equity LTCG above Rs. 1.25 lakh is taxed at 12.5%.

STCG on equity funds is taxed at 20%.

Debt funds are taxed as per your income tax slab.

A Certified Financial Planner can help manage tax implications efficiently.

Key Suggestions Across All Portfolios
Diversify across active equity and hybrid funds to optimise returns.

Reduce heavy reliance on index funds for long-term goals.

Use dynamic and medium-term debt funds for stability in debt allocation.

Review portfolios yearly and rebalance as required.

Final Insights
Your portfolios have a strong foundation for achieving your goals. A few adjustments can further optimise performance. Balancing active and passive funds, diversifying instruments, and considering expert guidance will help you achieve financial success.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ans: ok

Ans: The time of life when a woman's ovaries stop producing hormones and menstrual periods stop. Natural menopause usually occurs around age 50. A woman is said to be in menopause when she hasn't had a period for 12 months in a row.
When to stop contraception non-hormonal contraception:
You can stop using contraception if you haven't had a period for 12 months.
Hormonal contraception:
You can stop using contraception if you haven't had a period for 12 months and a blood test confirms you're postmenopausal.
You can do serum FSH LEVEL can help to determine whether getting menopause

Ans: Since you have taken, I pill twice in a month,
There are chances if menstrual irregularities due to hormonal imbalance
But we can't ignore the chances of pregnancy. If the periods are delayed by a week, it is advisable to do pregnancy test also.
Taking an emergency contraceptive pill during the first three weeks of the menstrual cycle can cause the period to come early. If taken during the fourth week, the period may still arrive on schedule but with abnormal bleeding that is typically heavier than usual. However, when taken within a couple of days before or after ovulation, there is little to no change in the timing or amount of bleeding.
Additionally, it causes abdominal pain, which may also result in weakness, constipation, and body aches.

Ans: Hello Ranjan
Not only JUIT but many more universities and colleges also failed to place the students for a few years as they promised at the time of admission via advertisements. But out of 300, just 20 placed is quite a notable number. You did not mention, where this trend is for this year or if it is happening for a few years! But, now there is no point in keeping names to the placement division of JUIT as you have to focus on the future of your son.
Here are some tips: (1) Ask your son to create a strong C.V. if something is lagging in it from the market condition point of view. (2) Ask him to learn the new techniques in AI + ML as early as possible i.e. Strengthen Technical Skills (3) Create a strong profile on LinkedIn (4) Keep a close eye on the placement offers published in national-level newspapers and employment newspapers. (5) Ask him to keep in touch with his seniors who are working in the companies and if there is any vacancy there (6) Without thinking much more, just apply for the job in the respective companies of his interests where the advertisement Is published or not. (7) Ask him to learn extracurricular activities and try to focus on personality building to get a suitable job without having any irritation in the mind and body language. (8) If possible, try to get the admission to PG. Many colleges offer stipends at the time of PG learning.
Even though there is a recession in the job industry at present, there is no need to worry. This phase is temporary and soon the conditions will be favorable to unemployed youths. Best of luck to your son for his bright future.

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Thanks.

Radheshyam