Is there a future in freelance digital marketing? A techie's quest for answers.

Ans: Hello mam
It's completely understandable that you're feeling concerned, embarrassed, and unsure about how to approach this situation. As a relationship counselor, I'd suggest that you choose a calm and private moment to talk to your husband, avoiding any blaming tone. Start expressing your feelings and concerns. You could say, "Hey, I wanted to talk to you about something that's been bothering me. I've noticed that you're often on your phone at night, and I feel uncomfortable not knowing what's going on. Can we talk about what's going on and why you're doing this?" In this way, you may be able to have a more open and honest discussion about what's going on and work together to find a resolution that strengthens your relationship.
Take care!
Regards
Dr Upneet kaur
Reach me : https://www.instagram.com/dr_upneet

Ans: Hello sir. I am not finding your question proper. Can you plz elaborate the question and ask it again?

Ans: Hello mam, it is not bad to fall in love with a person who has a different caste from yours or earns a little less than yours.
Financial things can be managed at a point but he should be willing to change his own situation by working on it.
You can sit with your parents and talk to them and convince them to atleast have a meeting with the boy and share their concerns with him. I am sure you will be able to convince them and make the things in order. Take care !
Reach me :
https://www.instagram.com/dr_upneet

Ans: Dear Srijal,
If you know there is nothing awkward or controversial about the scenes, keep your head held high. The most you can do here is ask your partner what is it about the situation that’s bothering him so much- if his answer sounds reasonable, you can try to clarify things. But if it is simply his mindset or nature that is making the entire situation more complicated than it is, please rethink this relationship. This might repeat with several other innocent situations.

Hope this helps

Ans: Hello mam,
I understand your dilemma mam. Let's look at both aspects of this relationship.

If you go ahead with this relationship, what have you thought about his previous family? His marital status and family commitments can't be ignored. Have you considered the potential impact on his children and wife? Their life will be ruined and kids future will be at stake.

Secondly, your mother concern is very important and correct. The person who already has family commitments will not be able to invest the same amount of financial and emotional resources in your relationship.

I understand that you have invested four years in your relationship and you both care for each other. But in this case, it is advisable for both the families to sit and discuss every aspect and problems of this situation. The situation will get clear and you ll be able to take a better decision. You can also try couple counsellings.

In case the things dont work out then accept the reality and move on gracefully and welcome the opportunities that are waiting for you with open arms.
Take care !
Reach me:
https://www.instagram.com/dr_upneet

Ans: Hello;

How much corpus you want/expect to build in 15 years for higher education needs of your child.

Please clarify.

Thanks;

Ans: Hello Rahul
With a 95.52 percentile in the General category, your daughter has a good chance of getting a seat in Biotechnology at some NITs, though it depends on the specific cutoffs. She should participate in JoSAA counseling and fill in multiple choices to maximize her chances. Thanks
Follow me, if you like the reply.
Radheshyam

Ans: Hello Rahul
With a 95.52 percentile in the General category, your daughter has a good chance of getting a seat in Biotechnology at some NITs, though it depends on the specific cutoffs. She should participate in JoSAA counseling and fill in multiple choices to maximize her chances. Thanks
Follow me, if you like the reply.
Radheshyam

Ans: Your current portfolio is strong, but it needs adjustments for financial security. Below is a detailed breakdown of your plan.

Retirement Readiness Assessment
You plan to retire in five years and expect monthly expenses of Rs. 1.5 lakh.

You will withdraw Rs. 1.1 lakh from debt funds and the remaining Rs. 40,000 from equity.

Your debt portfolio of Rs. 1.37 crore will provide regular cash flow.

Your equity portfolio of Rs. 3 crore will ensure long-term wealth growth.

Key Observations
Inflation risk: Expenses will increase. A 7% inflation rate means Rs. 1.5 lakh today may become Rs. 2.1 lakh in 10 years.

Equity volatility risk: Market downturns can affect the Rs. 40,000 monthly withdrawal.

Portfolio rebalancing: Gradually shift some equity to safer instruments.

Emergency backup: Consider maintaining six months’ expenses in a liquid fund.

House Purchase Plan in 10 Years
The current cost of Rs. 1.2 crore will rise with inflation.

At 7% inflation, the future cost could be Rs. 2.4 crore in 10 years.

If you withdraw from equity, ensure it does not impact retirement needs.

Recommended Action
Create a separate investment for the house purchase.

Use a mix of debt and equity for stability.

Consider a balanced advantage fund for flexibility.

Children's Education Fund
Your two children will need Rs. 40 lakh each in 7 years and 12 years.

At 7% inflation, the amount could be Rs. 64 lakh per child.

You will need approximately Rs. 1.28 crore in total.

Suggested Investment Approach
Allocate funds separately in equity mutual funds for growth.

Prefer flexi-cap and large-cap funds for stability.

Consider a Systematic Transfer Plan (STP) to move money to safer instruments as the goal nears.

Portfolio Adjustments for Stability
Your current asset allocation is:

Equity: Rs. 3 crore (68%)

Debt: Rs. 1.37 crore (32%)

Suggested Adjustments
Increase debt allocation to 40-45% as you approach retirement.

Ensure tax-efficient withdrawals from debt funds.

Reduce equity withdrawals during market downturns.

Health and Insurance Considerations
You have Rs. 25 lakh health insurance, which is good but may not be enough.

Medical inflation is 12-15% annually.

Increase coverage through super top-up health insurance.

Final Insights
Your financial plan is feasible with proper adjustments.

Retirement is achievable, but monitor inflation impact.

House purchase needs a dedicated investment plan.

Children’s education fund requires a structured approach.

Health insurance coverage should be increased.

Would you like a step-by-step plan for investments?

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment