Interesting question here, because it leaves an open-ended option as no goals have been mentioned. So I would go ahead and mention how I would invest the same.

Let us look at the available parameters:

• Monthly Funds sent to India: INR 3.35 Lakhs (75% approximately)
• Monthly funds held for expenses: INR 1.15 Lakhs (assumption is this would take care of all your expenses in the country of residence)
• Current Age: 25 years
• Expected Retirement age: 50 years

Had I been in such a situation, I would consider the market volatility as well as my young age and then invest most funds with a long term horizon.

Following would be some of my goals:

• Emergency Funds
  • Ensuring at least INR 3-5 Lakhs in Savings, FD and Liquid Funds
  • Assuming first amount sent to India goes into this, I would be sorted and not need monthly investments to go into this.
• Short Term Funds
  • Funds parked for a short term in Debt Funds or NCDs / corporate FDs, which may be needed in the shorter term (3–5 years)
  • As of today, I would ideally want to keep approximately 20% of my corpus for this particular section, i.e. INR 65,000 per month
  • I may hold this in a liquid / liquid+ mutual fund or savings account and invest together when any good NCD, MLD or corporate FD is open for investment. This should help boost my returns and secure a portion of my funds.
• Funds for Ageing Parents in India
  • Ideally I would want a certain portion of my income for my parents. While they do have sufficient funds to manage, I would still want some of my funds to be secured for their use.
  • I would keep approximately INR 50,000 per month for the same in form of liquid funds or liquid+ funds.
• Funds parked for kid’s education or marriage
  • I would start investing in good equity mutual funds for a horizon of 18–20 years.
  • I would prefer investing as SIPs, approximately INR 1.00 Lakhs going into the same.
  • Another INR 20K I would keep to purchase shares through Equity SIP every month.
• Funds parked as Retirement Corpus
  • Since I am only 25, I would have a significant amount to time to retirement. However, I would wish to Retire Early, Retire Rich !! The target age of retirement would be 50 years.
  • Hence the remaining INR 1.00 Lakhs would be invested in a retirement fund (Mutual Fund or safer debt instruments) with a horizon of 20–25 years.
• In addition, when the market allows, I may look at purchasing other asset classes from my short term funds or annual bonus.