Q. I am 20 years old, pursuing my undergraduate degree. I have Rs 1.7 lakh in mutual funds, Rs 1,000 and Rs 500 monthly SIPs in large & mid cap and flexi cap funds, respectively, and Rs 2,000 in stocks. What more can I do to build around Rs 10 crore in the next 40 years while taking inflation into consideration. Please guide me. Response: It’s good to see that you...

Q. I have a lump sum investment of ₹4.26 lakh in the HDFC Balanced Advantage Fund, with a current valuation of around ₹7.56 lakh. Is it advisable to use this as an emergency corpus, or would it be better to switch some amount to a liquid fund? Additionally, is it better to invest in liquid or arbitrage funds as an...

Q. I have Rs 1 crore and plan to purchase a house worth the same amount. I prefer to finance it through a loan rather than paying cash. Could you guide me on how to invest this Rs 1 crore to cover the loan payments, including interest, and also generate additional income from investments? For purchasing a residential property of...

 Q. I am 56 year old and due for retirement in 2025. My assets include: PPF (Rs 35 lakh); PF (Rs 60 lakh); savings of Rs 16 lakh; Gratuity (Rs 8 lakh); shares (Rs 5 lakh); Mutual funds (Rs 45 lakh); Second home (Rs 40 lakh); Third home (Rs 16 lakh). I live in my own house worth Rs 95 lakh. I will need a monthly expense of...

I am 42 years old earning Rs. 2.20 lakh per month, with monthly expenses of Rs. 1.2 lakh. My monthly investment: Rs. 9,000 in NPS, Rs. 5,000 in VPF, Rs 22,000 in EPF,  and Rs. 65,000 in equity MFs. My savings: NPS: Rs. 11 lakh in tier 1; PPF: Rs. 18 lakh; EPF: Rs. 19 lakh; MFs: Rs. 36 lakh...

I am 38 years old and aspiring to build a corpus of Rs 50 Cr by the time I reach 60. Currently, my assets include: A rental property valued at Rs 3.70 Cr, generating an annual income of Rs 25 Lakhs. A bank balance of Rs 3.68Cr, to be inherited soon, earmarked for investments and securing a home for my...

Q. I am now 50 and have decided to retire within a few months due to health reasons. Currently, I have accumulated a corpus of Rs 2.8 crore. I have Rs 1.53 Cr in PPF, Rs 18 Lakh in PF, Rs 56 lakh in equity mutual funds (45% in quant small-cap fund, 35% in quant active fund, 15% in quant...

Q. I am 29 and earn a monthly salary of Rs 75,000. I don't have any investments right now. I aspire to retire within 20 years. What should be my investment strategy if I want to retire with a corpus of Rs 6 crore? Response: As you have not shared the figures for your current living expenses, I am assuming...

 I am 32 years old and earn Rs 55,000 per month. My monthly expenses are about Rs 20,000, and I have loan instalments of Rs 20,000 per month. Additionally, I hold a LIC policy with a sum assured of Rs 15 lakh, maturing in 2050. My monthly NPS contribution is Rs 6,000. I seek advice on how to effectively save...