Module 10: बच्चों की पढ़ाई और परिवार के लक्ष्यों के लिए प्लानिंग

Health और Marriage Fund के लिए एक clear financial strategy

Health Fund (Medical Emergency Corpus)

A. Purpose

• Unplanned medical expenses cover करना
• Health Insurance का supplement बनाना
• Hospitalization, surgery, या critical illness में immediate fund उपलब्ध होना

B. Strategy

Health Insurance लेना

• Family Floater Plan (₹5–10 लाख cover)
• Critical Illness Cover (Extra protection for cancer, heart disease, etc.)
• Premium को yearly pay करें ताकि discount मिले

Emergency Health Fund बनाना

• Amount: कम से कम 6–9 महीने का खर्च + Insurance deductible amount

• Placement:

  • 50% Liquid Mutual Fund या High-Interest Savings Account में
  • 50% Short-term Debt Mutual Fund में (low risk, better returns than savings)

Annual Top-up Strategy

• हर साल Health Fund में 5–10% extra add करें
• Medical inflation 8–12% है, इसलिए fund का size बढ़ाते रहें

Marriage Fund

A. Purpose

• अपने या बच्चों की शादी के लिए planned savings
• Jewelry, venue, travel, gifts, etc. का खर्च cover करना

B. Strategy

Time Horizon Define करें

• Short-term (<5 years) → Safe investments चुनें
• Long-term (5–15 years) → Equity + Debt mix use करें

Amount Estimate करें

• आज की cost निकालें (e.g., ₹15 लाख)

• Inflation adjust करें: Formula → Future Cost = Present Cost × (1 + Inflation Rate)^Years

  • Example: ₹15 लाख, 7% inflation, 10 साल बाद ≈ ₹29.5 लाख

Investment Plan

• 0–5 years:

  • Recurring Deposit, Short-term Debt Funds, Liquid Funds

• 5+ years:

  • 60–70% Equity Mutual Funds (Index Funds / Large Cap)
  • 30–40% Debt Funds / PPF

Dedicated Account/Fund रखें

• Health Fund और Marriage Fund के पैसे कभी mix न करें
• Separate mutual fund folio या bank account रखें

Quick Table: Health vs Marriage Fund