Hello All,
All these years I have been never interested in the financials but after reading this blog I would really like to take a closer look at it. Here is my background/financials.
I am 29 & my husband is 33. We both earn close to 1.8L pm. Have a nursery going kid and close to 1.2L is what yearly we pay for her studies.
Expenses for a month – We maintain a monthly expenses book and the average for a month is this about 25K(Money to my in-laws 10K + 15K). No credit cards.
EMI – 23,000
Term Insurance(mine(8K) & my husband\’s(12K)) – 20,000
2 PPFs – 2 Lakhs per year.
Have been investing in HDFC Top200 & HDFC Prudence. No SIP. Whenever possible we invest money.
Need you folks to assist me in terms of arriving at a investment portfolio(monthly/Yearly). Thanks in advance for your help. Need your expertise to shape our investments for long term.
Thanks,
Ramya