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Latest Questions
Purshotam Lal |34 Answers |Ask -Follow
Financial Planner, MF and Insurance Expert - Answered on Sep 24, 2025
Asked by Anonymous - Sep 09, 2025Hindi
Hi I’m 26 with 36k monthly salary 7L in FD and 10k monthly in MF expenses 15K monthly. How much should I invest more in MF for 3cr by 50 years.
Ans: With reasonable assumption of 7% return approx. on FD and 13% annualized return approx. on diversified MF in very long term, with additional investment of Rs 5000 per month you should be able to accumulate 3 Cr by 50 Years. However life is ever changing as in future your income will go up and also you may have to bear more responsibility after your marriage etc, your children, It is advised to contact a certified financial planner for a broader financial plan. Wish you good-luck.
(more) Purshotam Lal |34 Answers |Ask -Follow
Financial Planner, MF and Insurance Expert - Answered on Sep 24, 2025
Asked by Anonymous - Sep 09, 2025Hindi
What is difference between mutual fund and etf and the tax angle associated with both.
Ans: MF & ETF Both differ in terms of structure, taxability, cost & accessibility. ETF may be more tax efficient due to its structure than the MFs. Mutual Funds can be held both in physical form or Demat form whereas for ETF investments, a Demat account is must. MF has higher management expenses / cost than ETFs. ETFs can be bought / sold during the day at real time prices whereas MF units are allotted at the day's closing NAV. MF are actively managed funds and has potential to earn returns beating the market indices whereas ETFs are passively managed funds tracking some market index / indices.
(more) 
Vipul Bhavsar |121 Answers |Ask -Follow
Tax Expert - Answered on Sep 24, 2025
Asked by Anonymous - Sep 15, 2025Hindi
My client brought the land in 1965 and guideline value obtained in 2001. He sold the property in September 2024. Is it 115jc applicable or computation at special rate. If any suggestions or computation may welcome.
Ans: Long Term Capital Gain shall be calculated. Since sold after 23 July 2024, new provisions of Taxation shall be applicable
Various other points like whether the land is rural, agriculture or other land is required to be ascertained.
Vipul Bhavsar
Chartered Accountant
www.capitalca.in
(more) Various other points like whether the land is rural, agriculture or other land is required to be ascertained.
Vipul Bhavsar
Chartered Accountant
www.capitalca.in
Reetika Sharma |164 Answers |Ask -Follow
Financial Planner, MF and Insurance Expert - Answered on Sep 24, 2025
Asked by Anonymous - Sep 15, 2025Hindi
My father has gotten an ancestral property which I have inherited. I am planning to give it to the local promoters and in return, I will get 2 flats and 70 lacs. How should I invest this money post tax deduction(if any) to get maximum returns?
Ans: Hi,
The 70 lakhs can be invested in equity and hybrid mutual funds to get maximum returns. You can get 13 to 20% returns based on market conditions for long term. It is best for you to work with an advisor in this regard.
Hence kindly consult a a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more) The 70 lakhs can be invested in equity and hybrid mutual funds to get maximum returns. You can get 13 to 20% returns based on market conditions for long term. It is best for you to work with an advisor in this regard.
Hence kindly consult a a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Vipul Bhavsar |121 Answers |Ask -Follow
Tax Expert - Answered on Sep 24, 2025
I am 62 yrs old. Have 3 flats in Mumbai. So I have to pay deemed rent as tax on 1 or 2 flats. Please clarify the law for fy 2025-26. Thanks
Ans: Income Tax Act, 1961 allows 2 house property to be declared as Self occupied while all others are compulsorily required to be declared as rented out.
Vipul Bhavsar
Chartered Accountant
www.capitalca.in
(more) Vipul Bhavsar
Chartered Accountant
www.capitalca.in
Reetika Sharma |164 Answers |Ask -Follow
Financial Planner, MF and Insurance Expert - Answered on Sep 24, 2025
I want a share market expert company to manage my portfolio, I also have mutual fund to look after.
Ans: Hi Sohan,
Portfolios are usually looked by a Research Analysts or you can choose a Portfolio Management Services.
For mutual fund portfolio, get in touch with a professional Certified Financial Planner - a CFP, can check your portfolio and guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more) Portfolios are usually looked by a Research Analysts or you can choose a Portfolio Management Services.
For mutual fund portfolio, get in touch with a professional Certified Financial Planner - a CFP, can check your portfolio and guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Reetika Sharma |164 Answers |Ask -Follow
Financial Planner, MF and Insurance Expert - Answered on Sep 24, 2025
Sir - Kindly let me know which is safe for holding MFs- either in demat or physical form. Thank you.
Ans: MFs can be held either in demat or non-demat form but not in physical form. Both the options are equally safe.
You can connect with a a professional Certified Financial Planner - a CFP to start investing in Mutual Funds with proper guidance and strategy. A CFP will guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more) You can connect with a a professional Certified Financial Planner - a CFP to start investing in Mutual Funds with proper guidance and strategy. A CFP will guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Purshotam Lal |34 Answers |Ask -Follow
Financial Planner, MF and Insurance Expert - Answered on Sep 24, 2025
Asked by Anonymous - Jun 24, 2025Hindi
GD evening sir, My CTC is 18lakhs per annum In stocks mostly in small cap I have invested 14lakhs In mutual funds 12lakh In ppf 10.98 lakhs Sip amt 15k RD 5k One term plan 1crore Health covered by company I wanted to save tax and should I invest in home and investment for my child
Ans: As per given information, it seems that much of the investment planning has been done by you, however you should have a broader financial plan. Which can include education, marriages of your children in future, purchase of house and also the retirement planning. It will be prudent to contact a certified financial planner in this regard. Investing in home and investment for Child are good options.
(more) Reetika Sharma |164 Answers |Ask -Follow
Financial Planner, MF and Insurance Expert - Answered on Sep 24, 2025
Asked by Anonymous - Sep 13, 2025Hindi
Hi, 25M here, I am investing RS 32000 per month in 4 mutual funds, i.e, Quant Flexi cap fund Rs8000, Nippon multicap fund Rs8000, Tata Small cap fund Rs8000, Edelweiss midcap fund Rs8000. My target is to reach 2cr mark in the next 15 years. Am I on the right track?
Ans: Hi,
You can reach 2 crore in 15 years assuming a return of 15%. The funds you mentioned and the amount of 8000 in each one doesn't seem to be in alignment with the 15% return.
You need to stop chasing the return and change the allocation of funds to a different set of funds.
If you get 1 13% cagr with an annual stepup of 10%yearly, you will get 3 crores after 15 years.
Hence a proper strategy with right fund allocation can help you in achieveing your goal.
You can also consult a a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more) You can reach 2 crore in 15 years assuming a return of 15%. The funds you mentioned and the amount of 8000 in each one doesn't seem to be in alignment with the 15% return.
You need to stop chasing the return and change the allocation of funds to a different set of funds.
If you get 1 13% cagr with an annual stepup of 10%yearly, you will get 3 crores after 15 years.
Hence a proper strategy with right fund allocation can help you in achieveing your goal.
You can also consult a a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
Purshotam Lal |34 Answers |Ask -Follow
Financial Planner, MF and Insurance Expert - Answered on Sep 24, 2025
Asked by Anonymous - Aug 06, 2025Hindi
I am 83 years and pensioner drawing 60 K pm and have about 15 lakhs in saving bank. Pl suggest suitable Mutual funds to invest this amount. Thanks.
Ans: If you do not have any other liabilities and your pension takes care well of your monthly household expenses and medical expenses (if any), then you may opt for the conservative hybrid / debt oriented balanced mutual fund. You should also have an emergency fund in Bank FD or Liquid MF equivalent to 6 months of your household expenses before making further investment in Mutual Funds.
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