Family finance: Salaried Krishna needs to align investments with goals

P. Vamsee Krishna, 37 years, stays with his homemaker wife and two children, aged 10 and eight, in his own house, in Hyderabad. He is a software engineer, who brings in a salary of Rs 1.05 lakh a month. Besides his own house, for which he has taken a home loan and a top-up loan, he also has a plot of land. He is servicing the home loan and a gold loan with EMIs of Rs 19,200. His goalsinclude building an emergency corpus, saving for kids’ education and weddings, retirement, and…

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