i have physical relation with my elder brother wife with mutual understanding since last 8 years, now she want to stop this, i also want that, but again there is any situation create by destiny , we found some space alone and done the same again. so plz suggest what to do to stop this.

Ans: Explore good IIITs for CSE/ECE (such as IIIT Kota/Una/Nagpur/Trichy, depending on cutoff) or mid/lower NITs in core branches like ECE/EEE/Mechanical, while chances of getting into CSE at a top NIT seem very difficult.

Good luck.
Follow me if you receive this reply.
Radheshyam

Ans: You have a good chance for EE/ME/Civil in many NITs and possibly some mid/top NIT core branches, but top NIT CSE is unlikely i.e., chances are very slim.

Good luck.
Follow me if you receive this reply.
Radheshyam

Ans: You can typically expect mid- to lower-tier NITs in core branches (EEE/ECE/Mechanical/Civil) and some newer IIITs for CSE/ECE, while CSE at top NITs is generally unlikely unless aided by home-state or gender quota.

Good luck.
Follow me if you receive this reply.
Radheshyam

Ans: He has chances of CSE in the lower IIITs (Nagpur/Guwahati, Una) and ECE/EEE in the mid-tier NITs (Raipur/Jalandhar/Hamirpur/Agartala/Silchar, etc)

Good luck.
Follow me if you receive this reply.
Radheshyam

Ans: You have created a very strong base. Multiple rental incomes, PF savings, and investments for your child show good discipline. At the same time, your EMI and dependency load are high, so planning needs to be very precise.

» Current Cash Flow – Tight but Manageable

Income: Rs 2.4 lakh (salary) + Rs 90k (rent)
Total inflow: ~Rs 3.3 lakh
Outflow: Rs 1.4 lakh EMI + Rs 80k expenses

Balance is comfortable, but:

High EMI reduces flexibility
Dependents increase responsibility

» Loans – First Priority

Home loan at 7.4% is reasonable
Personal loan at ~10% is costly

Action:

Close personal loan aggressively (top priority)
After that, decide on home loan prepayment vs investing

Reason:

Personal loan interest is high and non-productive

» Retirement Question – Key Reality
You asked: “Can I retire after paying all loans?”

Simple answer:

No, loan closure alone is not enough

Why:

Your expenses continue lifelong
Income from rent may not be stable or inflation-adjusted
You have a very young child (1.5 years) → long responsibility

» Corpus Requirement – Broad Direction
Your current expense: Rs 80k/month

But consider future:

Inflation will increase expenses
Child education cost will be significant
Medical costs will rise

So:

You need a separate financial corpus, not just assets

Broad direction:

Aim for a corpus that can generate regular income for 30+ years
Rental income can support, but should not be the only source

» Rental Income – Strength but with Risk
You have 3 rental properties generating Rs 90k

Positives:

Regular income stream
Reduces pressure on salary

Risks:

Vacancy periods
Maintenance costs
Rent may not grow as fast as inflation

So:

Treat rental income as support income, not core retirement plan

» Investment Strategy – Needs Expansion
Current:

PF Rs 20L
MF Rs 14L (for child)

Gap:

No clear retirement-focused corpus building

You should:

Start a dedicated SIP for retirement immediately
Increase investment from surplus income
Focus on diversified, actively managed mutual funds

» Child Planning – Very Important

Child is only 1.5 years old
Education cost will be very high

You should:

Continue MF investment for child
Increase gradually every year
Keep this separate from retirement

» When Can You Retire – Practical View
You can think of retirement only when:

Personal loan fully closed
Home loan significantly reduced or manageable
Strong financial corpus created (not just property)
Child education fund secured

Till then:

Early retirement is risky

» Better Approach – Phased Freedom
Instead of full retirement:

First achieve loan freedom
Then build financial corpus
Then move to reduced work / flexible income

This is safer and practical

» Risk Protection

Ensure adequate term insurance (very important due to dependents)
Health insurance must be strong and independent

» Finally

Close personal loan first
Do not depend only on rental income
Build a strong mutual fund corpus for retirement
Keep child education separate and growing
Think of retirement as a phased journey, not immediate

With your income and assets, you can reach financial independence, but only with proper structuring and patience.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

Ans: ?

Ans: HI SIR,
GREETINGS FROM THE REDIFFGURUS!
Based on domicile and category rank, the chances are as follows: Mechanical and Chemical have moderate to low chances. Civil, Production, and Metallurgy have good chances, especially in special rounds.
Ask him to prepare accordingly.

BEST WISHES.

Ans: Hi Arshad,
GREETINGS FROM THE REDIFFGURUS!
There are slim chances of admission at MBM Jodhpur. Since you did not provide your domicile details, if you belong to Rajasthan, then through state counseling (REAP), you can secure a seat.

BEST WISHES.

Ans: You are in a very strong position. High income, low expense, and good saving habit give you big advantage. With some corrections, you can achieve all goals comfortably.

» Current Position – Strong Foundation

Income is high compared to expenses
EMI is manageable
You already have equity + MF + NPS
Emergency fund exists, but needs strengthening
Clear goals: farmhouse + retirement

» LIC Policy – Review Before Decision
You have LIC from 2019, paying Rs 27k per quarter

Points to check:

What is the return expectation? Usually such policies give low returns
Long lock-in till 2040 reduces flexibility

Suggested approach:

Do not stop immediately
Check surrender value and paid-up value
If returns are low and cover is not needed, consider making it paid-up
Redirect future premium into mutual funds for better growth

» Emergency Fund – Increase Slightly

Current Rs 4 lakh is on the lower side

You should:

Target at least Rs 6 to 8 lakh
Keep in savings + liquid funds

» Home Loan – Partial Payment Strategy

EMI Rs 70k is comfortable for your income

Approach:

Do some part payment, but not aggressive
Balance between loan reduction and wealth creation

Why:

Equity investments over long term can give better returns than loan interest saved
Do not block too much money into loan

» Investment Diversification – Needs Structure
Current mix:

Direct equity Rs 14L
MF Rs 12L
NPS Rs 1L

Concerns:

Direct equity exposure is high
Portfolio may not be diversified properly

You should:

Gradually reduce direct stock exposure if not actively tracked
Increase allocation to diversified, actively managed mutual funds
Continue NPS for retirement discipline

» Farmhouse Goal (Rs 1 Cr in 5 Years) – Critical Planning
This is a large and near-term goal

Important reality:

Equity alone is risky for 5-year horizon
Loan + investment mix required

Approach:

Start a dedicated monthly investment for this goal
Use a mix of:
Short duration / debt funds (safety)
Some hybrid funds (moderate growth)
Avoid pure equity for this goal

Also think:

How much loan you are comfortable taking later
Try to build at least 40–50% from your own corpus

» Retirement Planning – 20 Years Horizon
You are well placed here

Action steps:

Increase MF SIP regularly (step-up every year)
Keep strong allocation to equity for long term
Use NPS as additional disciplined retirement tool

Target:

Build a corpus that can replace your lifestyle income

» Cash Flow Optimisation – Big Opportunity
Income: Rs 3.5 lakh
Expense + EMI: ~Rs 1.2 lakh

You have large surplus

Use this wisely:

Increase SIP significantly
Allocate separately for:
Retirement
Farmhouse
Child/family goals if any

» Risk Protection – Already Strong

Health insurance of Rs 1 Cr is excellent

But check:

Do you have adequate term insurance?
If not:
Take pure term plan (independent of LIC)

» Finally

Do not rush to surrender LIC, evaluate and then make paid-up if needed
Increase emergency fund
Balance loan prepayment and investments
Reduce direct equity risk, increase diversified MF exposure
Plan farmhouse separately with lower-risk investments
Increase SIPs – your biggest strength is surplus income

If you follow this structure, you can achieve both lifestyle goals and retirement without stress.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/