By Kavita Mistry 
According to Nasreen, if Stuti is able to save Rs 10,000 per month with an annual step up of 10%, she would be able to accumulate around Rs 10 lakh in five years. But she also highlights that accounting for inflation over the five years would amp up her expenses from Rs 23 lakh to somewhere between 33 lakh and 37 lakh.
In that case, she advised to claim loans from lenders such as HDFC Credila, Avanse, or INR & dollar loans
“HDFC Credila would give you a loan up to Rs 60 Lakh, while Avanse would provide funds up to Rs 50–60 Lakh”, Nasreen said. “There are artist specific funds in New York that can cover emergency housing”, she added.
Fulbright, Tata Trust, Juilliard Aid, and so on were some of the scholarships that Nasreen considered legible options for the 22-year-old to avail.
In case her family is able to provide support of Rs 5-10 lakh, Nasreen believed Stuti’s goals to be quite achievable. Although as a word of caution she encouraged her to keep her options open in top Indian drama and film institutes such as National School of Drama and Film and Television Institute of India as well.
For a short term perspective (within three years), Nasreen advised Stuti to invest 70-80% in multi asset funds such as ICICI Prudential Multi-Asset Fund, HDFC Balanced Advantage Fund, and Franklin India Equity Savings Fund. Whereas if she extends her timeline up to five years, Nasreen was of the opinion that large cap funds could work for Stuti.