Queries

How To Tackle A Joint Home Loan?   Neeraj, Coimbatore I am 39 year old and intend to invest around Rs30,000 every month to support the higher education of my two kids at a later stage. Taking into consideration that I am a government employee and will be retiring by 2036, kindly suggest long-term plans to meet the future goals overcoming inflation. You can invest in HDFC Child gift fund for education goal of your kids. Alternatively, you can also do SIP in Mirae Emerging Bluechip or Can Robeco Emerging Bluechip if you are willing to take higher volatility and market risk. Both the schemes have potential to beat inflation. Neeraj Chauhan,  Certified Financial Planner and CEO, The Financial Mall Anjan Biswas, Bengaluru  I have a joint home loan for which the outstanding is Rs14 lakh. I am paying an EMI of Rs22,009 till January 2034. Should I withdraw from my PF and pay out...