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POSTED BY ON March 13, 2014 9:53 am COMMENTS (3)
Hello all. Recently I have undergone kidney transplant surgery which cost me 15 lakh. I have 2 discontinued SIP (HDFC TOP 200 and RELIANCE Regular Savings Fund – Growth Option). I had taken leave from work in order to recover from the disease though I have the opportunity to rejoin my employer. I have EPF, RD, ELSS. Have health insurance coverage of 5 lakhs. Am not married and am 33 years old with retired father and home maker mother.
The recurring expenditure for medicines, check ups, etc would amount to Rs. 15,000/- per month. I expect a better salary ( approx 75,000) per month.
PLease suggest my investment strategy. I would like to be aggressive investor in mutual funds with strong debt exposure. Kindly suggest path forward.
Please
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Dear Santosh, please keep aside at least 6 times mly expenses in your SB account first. After that start investing in short term debt funds. I’m not offering any Eq. exposure as you want recommendations for debt funds alone.
thanks
Ashal
Dear Santosh, before I make any comment, I want to understand the meaning –
“PLease suggest my investment strategy. I would like to be aggressive investor in mutual funds with strong debt exposure.”
Please elaborate, what should I make out of this?
Thanks
Ashal
Dear Ashal,
Under the circumstances mentioned in my question, I would like to know how should plan my investment to make best use of my money which can cater to my need. Which funds should I invest in and which I should not. How much should be my debt exposure.
Thanks to you for the reply.
Regards,
Santosh