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Amit

Amit Grover  | Answer  |Ask -

Answered on Feb 08, 2012

rahul Question by rahul on Feb 08, 2012Hindi
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Career

entrepreneur before 25 or after 25?

Ans: rahul - it is like love, you or me cant decide the age when it will happen!
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Ramalingam

Ramalingam Kalirajan  |11155 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 21, 2025

Money
i am 39 years old, i have 25k income from business, how can i plan for future
Ans: I appreciate your initiative in planning for the future. Let’s structure this thoughtfully.

Current Financial Snapshot

Age: 39 years

Monthly income from business: Rs. 25,000

No details given on savings, investments, liabilities, insurance yet

Goal: Long?term financial planning

You’ve taken the first step by seeking help from a Certified Financial Planner. That’s great commitment. Now let’s build a solid plan across all areas.

Income Stability and Business Cash Flow

Business income of Rs.?25,000 is modest and may fluctuate

Determine fixed portion vs variable portion of income

Maintain records of monthly revenue and expenses

This helps us track your real take?home income consistently

Without understanding cash flow, planning becomes guesswork. Let’s start with these questions:

Is your income consistent every month?

Do you keep business expense records separately?

Could income vary seasonally?

We need stable numbers to design your future plan.

Essential Protection: Insurance

Protection is critical before accumulation.

Evaluate term insurance coverage needs

A rule: income?×?10 or family liabilities

Health insurance is mandatory

Choose adequate sum insured

Ensure covers hospitalisation and maternity if applicable

These safeguards protect against sudden financial shocks.

If you hold LIC endowment, ULIP, or investment?cum?insurance:

Those blend insurance and savings poorly

Almost always have high cost and poor returns

You should surrender these only through CFP advice

Use that money to invest properly via mutual funds

Insurance is not investment. Let’s treat them separately.

Emergency Fund: Your Safety Net

Every plan must start with backup savings:

Aim to build 6 months’ living expenses

Keep this fund in liquid mode

Don’t use it except emergencies

Replenish if ever used

This gives space to take wise decisions, not panic ones.

Budgeting and Expense Tracking

To plan future goals, you need clarity on your money habits:

List all monthly personal and business expenses

Identify essential vs discretionary spending

Save first, spend later

Aim for 10–20% savings from take?home income

Businesses often have untracked leaks. Fix them for efficiency.

Debt and Loans: Borrow With Caution

You didn’t mention any liabilities, so that’s good.

Avoid high?cost loans like credit cards or personal loans

If business needs support, explore low?interest options

Keep total EMI obligations under 40% of income

Borrow only when income can support repayments

Debt must be used strategically, not out of desperation.

Investment Strategy Overview

Once basics are in place, start thinking about investments.

You can start small with SIPs of Rs. 2,000–5,000 monthly

Diversify across equity and debt funds

Actively Managed Funds vs Index Funds
You asked about index funds—here’s why they may not suit every case:

They replicate a market index, giving only market returns

No active research or selecting better stocks

In volatile or niche markets, actively managed funds may outperform

They also adapt to changing conditions faster

With guidance from a CFP and authorized distributor, you can choose better quality active funds

Avoid Direct Funds for Now
You may have heard of direct mutual funds, but:

They offer no guidance or ongoing support

You take all decisions alone

Mistakes in fund selection or timing can cost you

With regular plans via a CFP and MFD, you get advice, tracking, and goal alignment

Stay with regular plans for now, until you gain enough experience under guidance.

Asset Allocation Based on Risk Profile

At age 39, you have time but also need balance:

Equity exposure for 60–70% of your investible surplus

Debt or fixed income for 30–40%

As income grows, adjust allocations gradually with CFP help

Regular monitoring ensures you stay on track despite market changes.

Retirement Planning

Retirement at 60 is still two decades away:

Use EPF or NPS via employer if possible

Else start your own systematic contributions

Use equity funds for growth now, then shift to debt later

Regular funds guided by CFP help manage risk

Your current income allows this gradually, but protecting your future is important.

Tax Planning Strategy

Understand your tax positions:

80C can include EPF, ELSS, PPF

Deduction limit up to Rs. 1.5 lakhs

NPS can add tax benefit under section 80CCD

Avoid excess spending on insurance as tax saving

Tight planning reduces tax while building assets.

Child or Family Goals (If Applicable)

If you have or plan children soon:

Estimate future education costs

Create separate investment streams per goal

Use systematic investments to fund these needs

Define each goal clearly and invest accordingly.

Property or Real Estate Consideration

You have not mentioned desire to buy property; that’s good.

Property is illiquid and has hidden charges

Better to build wealth first before locking capital

Wait until income grows and emergency fund is in place

Then take measured steps if you still wish

Stay focused on building financial base.

Business Growth Investments

You are in business, so consider reinvestment:

Improve operations, marketing, or tools

Small reinvestments can boost income

That creates more surplus for financial goals

Keep business and personal finances separate

Business success adds strength to your personal financial future.

Review and Rebalance Regularly

Your plan must adapt as you grow:

Review investment portfolio quarterly

Adjust allocations based on progress

Increase SIPs when income grows

Reassess insurance and estate documents as needed

A good plan is not static. It evolves with life.

Avoid Common Pitfalls

Stay away from:

High?cost endowment or ULIP policies

Over?concentration in one fund or sector

Ignoring inflation or assuming returns are guaranteed

Relying solely on insurance for saving

Each misstep creates long?term opportunity cost.

Securing Estate and Final Wishes

Plan for your family if anything happens:

Write a basic will

Nominate beneficiaries in accounts

Store documents securely and communicate wishes

This gives peace of mind and ensures family protection.

360?Degree Action Plan Summary

Track business and personal income

Build 6?month emergency fund

Acquire term and health insurance

Start small SIPs in regular actively managed funds

Allocate 60:40 equity to debt at start

Reinvent part of business earnings

Keep leverage low and avoid risky loans

Rebalance portfolio regularly

Plan for business, family, retirement goals

Keep estate and legal documents in order

Finally

You are taking a smart, well?timed step.
A Certified Financial Planner will guide you with clarity.
This plan balances today’s needs and tomorrow’s dreams.
Your business income may be small now. But structured growth will change that.
You are not only saving, you are building your future.
Focus on discipline over time. Compounding works with time and clarity.
Your plan is simple, powerful, and purposeful.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

Latest Questions
Kanchan

Kanchan Rai  |663 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 26, 2026

Asked by Anonymous - Apr 06, 2026Hindi
Relationship
Hi, I love both my parents and my boyfriend. But my parents just cant seem to accept the fact that i have a boyfriend. At almost every stage in life, be it career, relationships, i am standing at the line and choosing whether i should choose myself and do what i want to do or should i choose what my parents say. I know they mean well for me and they want my good, but is it always have to be that way? Why do i always have to choose? I am sick and tired of hiding things from my parents but if i don't, they will intrude in my life and then everything goes haywire. is it too much too ask for acceptance? and even if i choose myself at any given time, there is this guilt of disobeying my parents that eats me alive. I am really at the threshold here.
Ans: You don’t actually want to choose between your parents and your boyfriend.
You want both love and autonomy. And that is a fair need.
The reason it feels so heavy is because you’ve been conditioned to believe that choosing yourself means hurting your parents. So even when you do something right for your life, it comes with guilt.
But here’s the shift you need to make:
You’re not choosing against your parents.
You’re choosing for your life.
Right now, hiding is draining you because it keeps you stuck in fear. But being fully open without boundaries leads to interference. So the balance is this:
Be honest, but don’t hand over control.
You can say:
“I respect your opinion, but I need to make my own decisions about my life.”
They may not like it immediately. They may react emotionally. That doesn’t mean you’re wrong—it just means they’re adjusting.
The real work for you is learning to sit with that guilt without giving in to it. Because that guilt is not a signal that you’re doing something wrong—it’s a sign that you’re doing something new.
You don’t have to stop loving your parents.
You just have to stop losing yourself to keep them comfortable.
That’s the line you’re learning to walk right now.

...Read more

Kanchan

Kanchan Rai  |663 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 26, 2026

Asked by Anonymous - Apr 26, 2026Hindi
Relationship
I miss privacy after marriage. I moved in to my husband's house after our marriage last year. But but adjusting to a joint family has been harder than I expected. There is always someone around so I have to dress appropriately. Relatives walk into our bedroom without knocking. Their rules are very different from ours. I have grown up with a lot of independence in what I wear, eat etc. Here, I have to cook at least one meal, sometimes for unexpected guests and compromise over what I eat. I moved in hoping to live with and love his family, but this lack of personal space and independence is making me irritable and anxious. Our thoughts and principles don't match. My husband has taken a huge loan to buy this house, so he will not agree to move out. How do I talk to my husband about how I feel trapped here?
Ans: What you’re experiencing feels overwhelming because it’s new to you, not because it is “wrong” in itself. In many joint families, things like shared spaces, open movement in the house, less privacy, and collective responsibilities are quite normal. People grow up with that system, so for them it doesn’t feel intrusive—it feels like family closeness.
At the same time, you come from a background where privacy, independence, and personal boundaries were natural, so the contrast feels like a loss. Both realities are valid. Neither is completely right or wrong—they are just different value systems.

This is also something that ideally should be discussed before marriage, but since it wasn’t, you are now learning and adjusting in real time—which is understandably difficult.

Now the goal is not to reject the joint family system or force yourself to accept everything silently. The goal is to find a middle ground where you can function without losing yourself.

When you talk to your husband, acknowledge his reality too. That will make him more open to hearing you. You can say something like:
“I understand this is how your family has always lived, and I respect that. But for me this is very new, and I’m struggling to adjust to the lack of personal space. I don’t want to disrespect anyone, but I also need some space to feel comfortable.”

This way, you are not attacking his family—you are explaining your adjustment challenge.

Also, instead of expecting a complete change, focus on small, realistic adjustments:
A basic level of privacy in your room (like knocking)
Some flexibility in daily expectations
Clear communication about responsibilities

In joint families, change usually doesn’t happen suddenly—it happens gradually and through understanding, not confrontation.

And one important mindset shift for you:
Adjustment doesn’t mean losing yourself completely.
But it also doesn’t mean expecting the environment to become exactly like your old life.

You are now learning how to live between two worlds.

If both you and your husband handle this with patience and respect, it can become manageable. If either side becomes rigid, then it starts feeling like suffocation.

So your task is not to “fit in perfectly,”
but to adapt without disappearing.

...Read more

Kanchan

Kanchan Rai  |663 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 26, 2026

Asked by Anonymous - Mar 12, 2026Hindi
Relationship
I am 38 year old female and my husband 39 yrs old . We got married 13 years before and we were in 10 years love relationship before marriage . Totally 23 years together .we have 2 sons , 1 is 10 yr old and 2 is 1.5 yr old . My husband is not interested or he is not getting any sexual sense at all. It’s been 2 years he didn’t touch me , he says his mind is not thinking about it and not getting any sensation . 2 years before , we had issues about his relationship with a women , he says its friendship and few instances has broken my trust and he hasn’t regained it back or never tried to fix it . He says in words but never saw his efforts to make me trust again . For 2 years am in mental trauma and confusion only whether he is saying truth or not , whether that women is friend or different . Whether he s cheating me or not . Very few activites gives me doubts to think that he s cheating rest all he s normal , goes for work and come home ... We are sleeping is same bed now for past 1.5 years after my second day. Born . Some time he sleeps with me in bed cuddling and kissing .. but nothing is intimate and nothing feels closer emotionally to him ... I dunno wat to do with him . I get w dual desire often and get rejected by him and all th time he blames me or underrate me to talk about sex . Also he scolds me that am having more sexual thoughts . I dunno what to do as if I talk calmly. He takes it to peak , if I demand , he rejects . Watever I try he rejects .. never gave a proper reason .... I dunno how to live like this ??
Ans: First, let me say this clearly: your desire is normal. Wanting intimacy, closeness, and a sexual connection with your husband is not “too much” or “wrong.” Being repeatedly rejected and then blamed for it can slowly damage your self-worth, and that’s what you’re feeling now.
But we need to separate a few things to understand what’s really happening.
Your husband’s lack of sexual interest for 2 years is not something to ignore. It could be due to multiple reasons—stress, hormonal changes, mental health issues, guilt, unresolved emotional conflict, or even disconnection from the relationship itself. But the real concern is not just the lack of sex—it’s that he avoids the conversation, shuts you down, and turns it back on you.
That creates a cycle where:
You feel rejected → you try to connect → he withdraws or blames → you feel worse → trust breaks further.
On top of this, there is unresolved trust damage from his past involvement with another woman. Even if he calls it “friendship,” the fact that it broke your trust and was never repaired properly means that wound is still open. Without rebuilding trust, emotional closeness cannot return—and without emotional closeness, physical intimacy often disappears.
Right now, you are living in three layers of pain:
You feel unwanted physically
You feel unsure emotionally
You feel unheard when you try to talk
That’s why it feels like you’re stuck.
Now, what can you realistically do?
You cannot force desire.
You cannot beg for intimacy.
And you cannot rebuild trust alone.
But you can change how you approach this.
Instead of focusing only on sex, shift the conversation to the relationship itself. At a calm moment, not during rejection, speak very directly but without blame:
“I am not just missing physical intimacy. I am feeling emotionally disconnected, rejected, and confused. I don’t want to fight, I want to understand what is happening between us.”
Watch his response carefully. Not just words, but willingness.
If he continues to deny, blame, or avoid, then this is no longer just a “sexual issue.” It becomes a relationship issue that requires intervention.
At this stage, a mature step would be to suggest couples counseling or medical evaluation. Frame it as “us” not “you.”
Because if he truly has no desire at all, he should be open to understanding why.
And if he refuses even that, then you have to face a difficult truth:
You are trying to sustain a relationship where your needs are consistently dismissed.
Also, gently reflect on something important:
Do you feel emotionally safe with him anymore, or are you constantly second-guessing and shrinking yourself?
Because intimacy doesn’t return in an environment of doubt, fear, and blame.
You have given 23 years to this relationship.
You deserve clarity, respect, and emotional connection—not confusion and rejection.
You don’t need to decide everything today.
But you do need to stop normalising this pain.

...Read more

Kanchan

Kanchan Rai  |663 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 26, 2026

Asked by Anonymous - Mar 19, 2026Hindi
Relationship
I am in love with a 42 yr old woman. She is a divorcee with a teenage daughter. We plan to get married by the end of this year. The one disagreement we have is about kids. She feels she is too old to have another kid. How do I convince her that age has nothing to do if you are healthy and fit to be a parent?
Ans: This is not a topic where one partner “wins” the argument. Having a child, especially at 42, is not just about willingness—it’s about her body, her health, her energy, and her life stage. Age does matter medically and practically. Pregnancy at 42 carries higher risks, and even if someone is fit, it is still a more demanding journey physically and emotionally.
So if she is saying she doesn’t want a child, she is not being negative—she is being realistic and self-aware.
Now the real question is not “how do I convince her,” but
can you accept her decision if it doesn’t change?
Because this is a fundamental life choice. If you want a child strongly and she does not, this difference won’t disappear after marriage—it will grow.
Instead of convincing, have a mature conversation:
Tell her honestly why having a child matters to you—not as pressure, but as a life desire. Then listen to her reasons fully—without trying to counter them. Ask her what she fears, what she has already considered, and what her limits are.
There are also middle paths you can explore together—like medical consultation to understand real risks, or even alternatives like adoption. But these should come from mutual agreement, not persuasion.
Love is not about changing someone on such a fundamental decision.
It is about asking: can we build a life together as we are?
If you can accept a future without a child with her, then move forward.
If you cannot, it’s better to face that truth now rather than after marriage.

...Read more

Kanchan

Kanchan Rai  |663 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 26, 2026

Kanchan

Kanchan Rai  |663 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 26, 2026

Asked by Anonymous - Feb 09, 2026Hindi
Relationship
Hi Maam, My married life has been a complete disasterits been 1.8 yrs. Before marriage, I had only one past relationship. My husband repeatedly asked if I had any physical relationship before marriage. I denied it initially, and when I asked him about his past, he vaguely said he had dated three women for about three months each. Whenever I asked directly about physical involvement or even something as simple as kissing, he avoided the topic or changed the subject. On the first day of our arranged marriage, after intimacy, he said something that confused me. I was already scared and anxious. Later, when he asked me to share something I had never told anyone, I told him the truth—that my past relationship involved physical intimacy, and that it was forced, not by my choice. After that, his behavior completely changed. He stopped talking to me, even during our honeymoon. We were intimate only twice, but emotionally he was completely absent. I cried constantly. After returning home, he started avoiding me, leaving the house despite working from home. He verbally abused me, made derogatory comments about my character, and threatened to tell my parents and divorce me, accusing me of hiding my past. He even went on a Europe trip alone for 15 days, barely contacting me, which made me fear he was cheating. Due to constant fights and emotional abuse, I started looking into his past and discovered disturbing things—multiple physical relationships (8–9), emails linked to prostitutes, a banned Tinder account he tried to restore even after our engagement, and trips with an ex just days before our engagement. He called her “just a friend,” but the evidence said otherwise. I also found intimate photos and videos of his exes saved on his hard disk, even though they were many years old. Despite all this, he continued to accuse and defame me in front of his parents, saying I lied about my past, while he had never disclosed his own. What I saw and experienced has deeply scarred me, and I feel he never had any emotional attachment to me from the beginning. Ever since I told him the truth, he has shown no care, no empathy, and no love. I am left questioning—was I wrong to look into his past when I was being emotionally abused and accused? Or is he simply not the right person for me, someone who lacks emotional maturity, honesty, and compassion?
Ans: What you have described is not a small marital conflict—it is a serious breach of trust, emotional safety, and dignity.
Let’s look at this with clarity, not emotion alone.
You entered this marriage with hesitation, fear, and eventually honesty. You disclosed something deeply personal, and importantly, something that involved lack of consent. In a healthy partnership, that moment should have been met with empathy, protection, and maturity. Instead, it was met with judgment, withdrawal, and later, humiliation. That is not a difference of opinion—that is a failure of emotional responsibility.
At the same time, your husband’s conduct shows a clear pattern of double standards. He withheld his own past, avoided transparency, and yet demanded complete disclosure from you. When he later accused and defamed you, despite his own undisclosed history, it indicates not confusion but control and moral inconsistency.
Your decision to look into his past did not arise in isolation. It came after sustained emotional distress, repeated accusations, and a breakdown of trust. In such circumstances, people seek evidence not out of curiosity, but out of a need to anchor themselves in reality. So no, it was not ideal—but it was understandable. More importantly, it is not the central issue.
The central issue is this:
You are in a relationship where your vulnerability has been used against you, your character has been questioned, and your emotional needs have been consistently disregarded.
Also note his behavioral responses—avoidance, verbal aggression, solo travel without communication, maintaining explicit material from past relationships, and involving his parents in a way that damages your dignity. These are not isolated incidents. They reflect emotional immaturity, lack of accountability, and poor boundaries.
So the real question is not “Was I wrong?”
The real question is: Is this a relationship that offers mutual respect, psychological safety, and the possibility of repair?
Marriage can survive difficult truths, even past experiences—but only when both partners are willing to engage with honesty, empathy, and accountability. At present, there is no indication that he is willing to do that.
Before taking any decision, it would be wise to step back and stabilise yourself emotionally. Consider individual counselling, not to fix the marriage, but to regain clarity and strength. If there is any attempt to continue this relationship, it must involve structured intervention—such as couples therapy—with clear expectations around respect, truthfulness, and boundaries.
But equally, you must allow yourself to acknowledge a difficult possibility:
Sometimes, the issue is not what went wrong in the marriage.
It is whether the person you are with is capable of sustaining a healthy one.
You were not wrong for having a past.
You were not wrong for telling the truth.
And you are not wrong for expecting dignity in your marriage.

...Read more

Mayank

Mayank Chandel  |2701 Answers  |Ask -

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Apr 26, 2026

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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