I am 51 years old, having mild fever with headache since long back and is very frequently. Now cold and running nose is also a problem. Taking lot of medicines but nothing has happened. Can you suggest something for permanent solution.

Ans: Your portfolio shows a good mix of mutual fund categories, providing diversification across different market segments. Ensure that the allocation aligns with your risk tolerance as some funds may carry higher risks. Consider periodically reviewing and rebalancing your portfolio to maintain the desired asset allocation. It's essential to monitor the performance of your investments and make adjustments as needed. Consulting a financial advisor can help you optimize your portfolio based on your financial goals and risk profile.

Ans: To achieve a corpus of 1 crore in 10 years, you'll need a disciplined monthly SIP investment. Assuming an average annual return of around 10%, you might need to invest approximately Rs. 50,000 to Rs. 55,000 per month in mutual funds.

For mutual fund selection:

Large-cap Funds: Offer stability and consistent returns.
Mid-cap Funds: Higher growth potential but with increased risk.
Diversified Equity Funds: Provide a mix of large and mid-cap stocks for balanced growth.
Balanced Funds: Combine equity and debt for stable returns with moderate risk.
Consider consulting a financial advisor to help select the right mutual funds based on your risk tolerance, investment horizon, and financial goals.

Ans: Determining the amount needed for retirement depends on various factors like your desired lifestyle, expected inflation, and life expectancy. A common approach is the 80% rule, which suggests aiming for a retirement corpus that's 80% of your final annual salary to maintain your lifestyle post-retirement.

Given your PF corpus of 1.35 Cr and assuming a final annual salary as a reference, you can estimate your retirement needs. Also, consider other sources of income like rental income or dividends that might contribute to your retirement income. Consulting a financial advisor can provide a more accurate estimate tailored to your individual circumstances.

Ans: For a 2-year investment horizon with a goal of better returns than FDs, consider these options:

Debt Mutual Funds: Opt for short-term debt funds or corporate bond funds. These offer potentially higher returns than FDs with relatively lower risk.
Liquid Funds: If you need flexibility, liquid funds can provide better returns than savings accounts with the advantage of quick withdrawals.
Fixed Maturity Plans (FMPs): These are close-ended debt funds with fixed tenures, providing predictable returns over 2 years.
Balanced Advantage Funds: These dynamically manage equity and debt exposure based on market conditions, aiming for stable returns with lower volatility.
Before investing, assess your risk tolerance and consult a financial advisor to choose the right investment avenue that aligns with your financial goals and risk profile.

Ans: For generating monthly returns from a retirement corpus of around 50 lakhs, consider a balanced approach:

Dividend Yield Funds: Invest in mutual funds that focus on dividend-paying stocks, aiming for regular income.
Systematic Withdrawal Plan (SWP): Opt for SWP from debt funds or a combination of equity and debt funds to withdraw a fixed amount monthly.
Senior Citizen Savings Scheme (SCSS): For a portion of your corpus, SCSS offers quarterly interest payouts with a decent interest rate, suitable for regular income needs.
Fixed Deposits: Invest a part in FDs with monthly or quarterly interest payouts.
Diversify across these options to balance risk and generate regular income for your retirement. Regularly review to adjust to changing needs and market conditions.

Ans: Considering your low to medium risk appetite and tax concerns, here are some options to grow the 20 Lac corpus for each child over 10-12 years:

Equity Mutual Funds: Opt for balanced funds or hybrid equity funds that invest in a mix of equity and debt. These funds aim for capital appreciation with some stability from debt allocation.
Debt Mutual Funds: Choose debt funds that invest in high-quality corporate bonds or government securities. They offer better post-tax returns than traditional FDs and are more tax-efficient for investors in higher tax brackets.
Sukanya Samriddhi Yojana (SSY): For the younger child, SSY can be a good option with tax-free returns and attractive interest rates, specifically designed for girl child's education and marriage needs.
These options aim to provide growth while considering your risk profile and tax concerns. Regularly review and rebalance your investments to align with your goals and changing market conditions.

Ans: To achieve a retirement corpus that provides a monthly return of Rs 2 lakhs in 15 years, you'll need a combination of growth-oriented investments.

Equity Investments: Allocate a significant portion to diversified equity mutual funds or direct stocks for potential capital appreciation.
Real Estate: Since you already own property, consider additional real estate investments for rental income and capital appreciation.
Debt Instruments: To balance risk, invest in debt mutual funds or fixed deposits for stability and regular income.
Systematic Investing: Implement SIPs in equity funds to benefit from rupee-cost averaging and compounding.
Regular Monitoring: Periodically review and adjust your portfolio to ensure it aligns with your retirement goal and risk tolerance.
Diversification and consistent investment are key to building a substantial retirement corpus.

Ans: When a mutual fund company shutdown or get sold to other company, it can indeed be concerning for investors, but there are regulations and procedures in place to protect investors' interests, at least to some extent. Let me try to explain the same in best of my knowledge:

Segregation of Assets: Mutual funds are set up as trusts, and they have a clear separation between the assets of the mutual fund and the assets of the asset management company (AMC) managing the fund. This means that even if the AMC goes bankrupt or shuts down operation, the assets of the mutual fund are typically kept separate and should not be affected.

Appointment of a New Fund Manager or AMC: In the event of a mutual fund company going bankrupt or shutdown operations, the regulator, Securities and Exchange Board of India (SEBI), usually steps in to ensure that investors' interests are protected. SEBI may appoint a new fund manager or a different AMC to take over the management of the affected mutual funds. This ensures continuity in managing the investments and reduces disruptions for investors.

Liquidation or Transfer of Assets: If a mutual fund company is unable to continue operating, SEBI may initiate the process of liquidating the assets of the affected mutual funds. The proceeds from the liquidation are then distributed to the investors.
Alternatively, SEBI may facilitate the transfer of the management of the mutual funds to another AMC. This transfer ensures that investors' investments are still managed, and they have the option to continue with the new fund manager or redeem their investments.

Investor Communication: Throughout this process, SEBI and the new fund manager or AMC appointed will communicate with investors to keep them informed about the situation and any steps they need to take. This communication is crucial for maintaining trust and transparency in the investment process.

Investor Rights: Investors have certain rights protected by SEBI regulations. They can choose to redeem their investments if they are not comfortable with the new management or if they believe it's in their best interest to exit the fund. However, it's important to note that redeeming investments in such situations may come with certain costs or tax implications, depending on the specific circumstances and the terms of the mutual fund schemes.

It's essential for investors to stay informed about the financial health and regulatory compliance of the mutual funds they invest in. Diversifying investments across different mutual funds and asset classes can also help mitigate risks associated with the bankruptcy of a mutual fund company. Additionally, consulting with a financial advisor can provide personalized guidance based on individual investment goals and risk tolerance.

Ans: Given your goal to contribute a lump sum of Rs. 10,00,000 at age 60 for retirement, you have approximately 8 years to accumulate this amount.

Here's a suggested approach:

Investment Strategy:
Opt for diversified equity funds with a track record of consistent performance.
Consider a mix of large-cap, mid-cap, and multi-cap funds to spread the risk.
SIP Amount:
To achieve Rs. 10,00,000 in 8 years, you'll need an SIP amount that grows at an annual rate of around 15% (assuming average market returns).
Risk Tolerance:
Since retirement is your goal, it's essential to understand and be comfortable with the risk associated with equity investments. Ensure your investment aligns with your risk tolerance.
Regular Monitoring:
Review your portfolio regularly to track progress towards your goal. Adjust your SIP amount or portfolio if needed.
Tax Efficiency:
Opt for Equity Linked Savings Schemes (ELSS) to avail tax benefits under Section 80C, which can be an added advantage.
Remember, while equity investments have potential for higher returns, they also come with market risks. It's crucial to have a balanced portfolio and consult a financial advisor to tailor a plan that suits your needs and risk profile.