Thanks Madam. Your diagnosis is absolutely correct. But the challenge is with following the prescriptions, which requires lots of patience. I tried to convince my wife several times to join some school or any other organization, where she can get mentally engaged. Earning money is not a priority. But, she never agreed. In fact, she gets infuriated with any of my suggestions. She keeps blaming me for not being a working woman. In absence of all social/ family support system, it is frustrating when I don't find any progress since last 10 years or so.

Ans: Wait for other results, MBA From Top 20 institute is better

Ans: Your thinking needs re-consideration, due to following factors :
01. You have a monthly income of Rs.1,00,000.00. You should first pay your loan taken from the relatives, may be in installments, over a period of 1-2 years. Then, besides paying EMI on Bank Loan of Rs.10.00 lakhs, you should pay some extra amount to clear your loan as early as possible. You would be quite comfortable after payment of your loans.
02. You already have a rental income property, it won't be advisable to sell it & then find a rental income property in another city.
Most welcome for any further clarifications. Thanks.

Ans: 01. Yes, you would be subject to LTCGs while filing the ITR.
Most welcome for any further clarifications. Thanks.

Ans: 01. Details provided in your quarry are not sufficient for a proper reply.
Kindly mention dates of Purchase of Flat, Details of LTCG (Sale & Purchase dates with amount). Please also mention, LTCG if from which item (House Property, Agricultural Land, Industrial/ Commercial Property or from Securities. Bifurcation of Your EMI also needs to be done in Interest & Principal Repayment etc.
Most welcome for any further clarifications. Thanks.

Ans: The first mistake the Indian guardians/parents commit is that too much caring for the child and too much protectiveness. Your son is an adult. Let him explore all the future steps and let him talk to his friends. Now a days children are even busy with mobile in the washroom and parents will look after their future admission steps, this is not acceptable. Now the bird is able to fly, so let him fly. In USA boys and girls become totally independent by 18. But in India even at 28 guardians try to protect them. These words of mine seem to be very bitter, but consider it as a proper vaccine, which will work in future. Just follow me. Regards. Professor.........................................:)

Ans: Dealing with insomnia and anxiety can feel overwhelming, especially when it seems to return after stopping medicines. Yoga and meditation can help you naturally calm your mind and improve your sleep over time.

Here’s what you can try:

Breathing Practices (Pranayama): Start with deep, slow breathing exercises like “Anulom Vilom” (alternate nostril breathing) for 5-10 minutes daily. This balances your nervous system and reduces anxiety.

Gentle Yoga Poses: Practice simple poses like Child’s Pose, Legs-Up-The-Wall Pose, and Butterfly Pose in the evening. These poses relax the body and prepare it for sleep.

Bedtime Meditation: Try a guided meditation or mindfulness practice before sleeping. It helps shift your focus away from anxious thoughts.

Consistent Routine: Go to bed and wake up at the same time daily. Avoid screens an hour before sleep and try reading or listening to calming music instead.

It’s important to learn these techniques with proper guidance. A yoga or meditation coach can design a practice that supports your specific needs. Over time, this consistent practice can help you reduce reliance on medication.

R. Pushpa, M.Sc (Yoga)
Online Yoga & Meditation Coach
Radiant YogaVibes
https://www.instagram.com/pushpa_radiantyogavibes/

Ans: You can try and be a professor. Clear the NET exam as well as any other requirement for becoming a professor for the university you want to apply.

Ans: There is an age limit for applying to govt jobs / exams. Check if you are eligible for the same. If you are then do prepare for those jobs where you are eligible without leaving your current job.

Ans: Your financial situation is stable, with multiple investments and no liabilities.

Income: Rs. 2.25 lakh per month offers strong savings potential after expenses.

Expenses: Rs. 70,000 per month leaves ample room for investments.

Existing Investments: Equity stocks (Rs. 1 lakh), mutual funds (Rs. 16 lakh), FD (Rs. 13 lakh), NSC (Rs. 10 lakh), and PF (Rs. 27 lakh) form a diversified base.

Ongoing Commitments: SIP of Rs. 40,000, PPF contributions, and NPS add regular growth.

Insurance Coverage: Adequate health insurance (Rs. 10 lakh) and term insurance (Rs. 50 lakh).

Defining Your Retirement Goal
You aim for a Rs. 3 crore corpus by age 55. Consider inflation and lifestyle needs.

Inflation Impact: Rs. 3 crore today might not suffice in 13 years due to inflation.

Monthly Expenses: Rs. 70,000 now could double to Rs. 1.4 lakh due to 6% inflation.

Longevity Planning: Plan for a 30-year post-retirement period to ensure financial security.

Evaluating Current Investments
Equity Stocks: Rs. 1 lakh is a small allocation. Consider diversifying into mutual funds.

Mutual Funds: Rs. 16 lakh in lump sum and Rs. 40,000 SIP build growth over time.

Fixed Deposits: Rs. 13 lakh ensures safety but offers low returns.

National Savings Certificate (NSC): Rs. 10 lakh provides stability but lacks flexibility.

Provident Fund: Rs. 27 lakh builds wealth steadily, given your regular contributions.

PPF and NPS: Long-term instruments aligned with retirement goals.

SSY for Daughter: Rs. 1.5 lakh annually ensures her education expenses are planned.

Insurance Policies: LIC and child plans provide minimal returns; consider alternatives.

Key Recommendations for Retirement Planning
Optimising Investments
Increase SIP Amount: Gradually raise your SIP to benefit from compounding and market growth.

Focus on Equity Funds: Actively managed funds can generate higher returns compared to index funds.

Reduce FD Dependence: Move a portion of FDs into balanced mutual funds for better returns.

Exit Traditional Plans: Consider surrendering LIC and SBI child plans to reinvest in high-growth mutual funds.

Build Emergency Fund: Maintain 6–12 months' expenses in liquid funds or savings accounts.

Enhancing Retirement Corpus
Leverage NPS: Increase contributions to benefit from tax savings and market-linked returns.

Continue PPF Contributions: This offers tax benefits and secure, inflation-beating returns.

Diversify Equity Allocation: Explore mid- and small-cap funds for higher growth potential.

Tax Efficiency: Plan withdrawals carefully to minimise capital gains taxes.

Securing Post-Retirement Income
Systematic Withdrawal Plans (SWP): Use SWPs for a steady, tax-efficient post-retirement income.

Debt Funds: Consider debt funds for predictable, stable returns during retirement.

Hybrid Mutual Funds: These balance growth and stability, suitable for retirement years.

Rebalance Regularly: Adjust equity and debt allocations annually as retirement nears.

Planning for Daughter’s Education
SSY Continuation: Ensure contributions continue till maturity for her education needs.

Mutual Funds for Education: Invest in diversified mutual funds for additional education corpus.

Avoid Traditional Plans: LIC and child policies may underperform compared to mutual funds.

Protecting Against Risks
Health Insurance: Increase family health coverage to at least Rs. 20 lakh to cover rising medical costs.

Term Insurance: Ensure term insurance coverage matches your family’s financial needs.

Inflation-Proofing: Allocate part of the retirement corpus to equity for inflation-adjusted growth.

Emergency Fund: Keep funds easily accessible for unexpected expenses.

Final Insights
Your financial foundation is strong, and your retirement goal is achievable with better planning. Focus on optimising investments, ensuring inflation-adjusted returns, and securing your family’s future. Regular reviews with a certified financial planner will ensure alignment with your goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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