Dear Sir,
I got a job in mid-February 2020 in the UAE. All medical tests were done.
However, by mid-March, the COVID lockdown was announced by government of India, which resulted in the cancellation of the project. I came to know about this in November 2020.
My work experience has been abroad for 15 years and many employers are sceptical about employing me in India.
I started a tie-up of apparel business in September 2020 in the Mumbai region. But, due to COVID, no one is buying new apparels after Diwali.
I am into daily prayers, exercise and yoga but I am at times depressed due to the current pandemic and the slow economy. There have been numerous fights in my house due to no income.
I am seeking your necessary professional help to revive my career again.
What should I do?
Shivaram Viswanathan

Ans: Hello Yug,
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Thanks.

Radheshyam

Ans: Dear Anonymous,
Kindly work with someone who can get you out of this mindset and into a mindset that is not motivating but also inspiring. Right now what you face is lack of inspiration which is understandable given the many attempts. But you are aware that some professional exams are like this; so persevere...
If it makes sense, take a break from it all...Breaks can refresh the mind and also help you realign yourself back to your goal. But make sure it's a short break and not something that will get you to a place of procrastinating. The break is to help you slow down the mind so that you can bring yourself back to your goal and take necessary steps to achieve it.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Ans: Dear Geetasri,
You might want to involve the police if the situation is getting worse.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Ans: At 57, with a monthly income of Rs. 8 lakhs, you are in a strong financial position. You already have Rs. 2.5 crore in mutual funds and Rs. 50 lakhs in stocks. Retiring at 60 is achievable with proper planning. Let’s focus on enhancing your investments to secure a comfortable retirement.

Assessing Your Current Investments
Mutual Funds: Rs. 2.5 crore in mutual funds offers diversification and stability.

Stocks: Rs. 50 lakhs in stocks adds growth potential but comes with higher risk.

Retirement Target: Estimate your post-retirement expenses to calculate the required corpus. Include inflation-adjusted costs.

Recommended Mutual Fund Allocation
Increase SIP Contributions: With high income, raise your monthly SIPs in mutual funds.

Diversify Across Fund Categories: Allocate funds to large-cap, mid-cap, and hybrid funds. They balance risk and returns effectively.

Debt Mutual Funds: Add debt funds to maintain stability and liquidity in your portfolio.

Tax-Efficient Options: Choose equity-oriented hybrid funds for better post-tax returns.

Balancing Stock Investments
Reduce Exposure Gradually: Stocks can be volatile, especially closer to retirement. Shift some stock investments to mutual funds or safer options.

Invest in Quality Stocks: Retain investments in blue-chip or dividend-paying stocks for consistent returns.

Avoid Speculative Stocks: Focus on stable and established companies for reduced risk.

Tax Efficiency and Withdrawal Planning
Equity Fund Taxation: Long-term capital gains (LTCG) above Rs. 1.25 lakh are taxed at 12.5%.

Debt Fund Taxation: Gains from debt funds are taxed as per your income slab.

Plan Withdrawals Wisely: Spread withdrawals over financial years to minimise tax liability.

Building a Retirement Corpus
Target Corpus: Calculate the required retirement corpus for the next 25–30 years.

Inflation-Protected Income: Invest in funds that offer inflation-beating returns for financial security.

Emergency Fund: Maintain an emergency fund covering at least two years of expenses.

Diversification and Risk Management
Asset Allocation: Maintain a 60:40 equity-to-debt ratio initially. Gradually reduce equity exposure closer to retirement.

Periodic Reviews: Review your portfolio semi-annually and rebalance as needed.

Risk Assessment: Avoid overexposure to volatile asset classes nearing retirement.

Planning for Healthcare and Contingencies
Health Insurance: Ensure you have adequate health insurance coverage for you and your family.

Contingency Funds: Allocate a portion of your portfolio to liquid assets for emergencies.

Minimise Unnecessary Risks: Avoid risky investments that could erode your wealth.

Final Insights
You are on the right track to achieve a secure retirement. Increase mutual fund SIPs, reduce stock exposure gradually, and maintain a balanced portfolio.

Focus on building an inflation-adjusted retirement corpus while ensuring tax efficiency. Periodic reviews and disciplined investing will help you achieve your financial goals.

Your high income and existing investments are commendable. With proper planning, you can enjoy a stress-free retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ans: Your existing corpus of Rs. 2 crore is a strong foundation. Splitting it equally between equity and fixed-income instruments ensures diversification. A monthly SIP of Rs. 1 lakh in equity funds is commendable, showing disciplined investing. With your current financial habits, you are well-positioned for wealth creation. However, achieving Rs. 10 crore in 10 years requires strategic adjustments and focused planning.

Evaluating the Rs. 10 Crore Target
To reach Rs. 10 crore in 10 years, your investments need to grow significantly. This goal demands higher annualised returns and enhanced contributions. Relying solely on current SIPs and portfolio returns may not suffice. Let’s identify steps to bridge the gap.

Optimising Your Equity Allocation
Increase SIP Contributions: With a combined income of Rs. 2 lakh and no loans, increasing SIPs is feasible. Incrementally raise your monthly SIP by Rs. 50,000 or more.

Choose Growth-Oriented Funds: Focus on funds with a proven track record in midcap and small-cap segments. These categories have the potential for higher returns over a 10-year horizon.

Monitor Fund Performance: Periodically review your equity funds. Replace underperforming schemes with actively managed funds showing consistent returns.

Leveraging Fixed-Income Investments
Enhance PF Contributions: If your PF contributions can increase through voluntary contributions, it will ensure stability while adding to long-term growth.

Review FDs: Fixed Deposits provide safety but may not match inflation-adjusted growth. Shift a portion to debt mutual funds for tax-efficient returns.

Continue PPF Investments: PPF is an excellent tax-free instrument. Ensure you maximise the Rs. 1.5 lakh annual limit.

Balancing Tax Efficiency
Equity Fund Taxation: Long-term capital gains (LTCG) above Rs. 1.25 lakh are taxed at 12.5%. Plan withdrawals to minimise this tax impact.

Debt Fund Taxation: Gains from debt mutual funds are taxed as per your income tax slab. Select funds with low turnover to optimise post-tax returns.

Tax-Saving Opportunities: Invest in ELSS funds if you haven't exhausted the Rs. 1.5 lakh Section 80C limit.

Strategic Investment Adjustments
Goal-Linked Investments: Allocate investments specifically for this goal. Separate it from your child’s education or other financial goals.

Increase Equity Proportion: Consider a higher equity allocation, such as 70% equity and 30% fixed income. Equity delivers better inflation-adjusted returns over the long term.

Reinvest Returns: Do not withdraw returns. Reinvest them to compound the growth of your corpus.

Regular Reviews and Adjustments
Annual Financial Reviews: Assess progress toward your goal annually. Adjust contributions or allocations as needed.

Stay Updated: Keep track of changes in mutual fund performance, market trends, and tax regulations.

Seek Expertise: Engage with a Certified Financial Planner to tailor your strategy further.

Diversification and Risk Management
Balanced Portfolio: Ensure your portfolio is diversified across sectors and asset classes.

Emergency Fund: Maintain a separate emergency fund equal to six months’ expenses.

Risk Mitigation: Avoid overconcentration in a single asset class or fund category.

Child’s Education Planning
While focusing on Rs. 10 crore, don’t overlook your daughter’s education. Set aside a portion of your investments to meet this future expense.

Final Insights
Achieving Rs. 10 crore in 10 years is ambitious but achievable. With increased SIPs, strategic fund selection, and disciplined investing, you can reach your goal.

Reassess your portfolio annually and make necessary adjustments. Prioritise equity for higher returns and tax efficiency. Maintain focus and avoid unnecessary withdrawals.

Your financial habits and discipline are commendable. With focused efforts, you can build a significant corpus and secure your family’s future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ans: no

Ans: Dear Anonymous,
Yeh kaunsi baat hai joh woh jaanti hai ke aap jaante ho par aap iske baare mein muh nahin kholenge? Yeh baat toh bilkul mere palle nahin pad rahi!
Aur rahi baat sex ki...bahut baar bacche ke aane ke baad ek Maa bacche ki parvarish mein itna vyast ho jaati hain ki thakaan se sex nahin kar paati ya karna nahin chati...ghar ke baaki kaamon mein bhi uljahkar thakaawat mehsoos karti hongi.
Unka haat bataakar kuch bojh halka ho jaayega unka toh shaayad woh aapki taraf dhyaan bhi de paayegi. Shaadi ke shuruwaat ke dinon ko waapas le aane ke piye aap dono ko aur isse phir se ek romance ka mahaul banega. Koshish kijiye...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Ans: Dear Anonymous,
You are possibly burned out. Late working hours, lack of proper sleep and nutrition and constant chasing of deadlines with minimal time for self-care can leave you feeling purposeless. And you will have a tendency to put off things to a later date or never feel like doing them.
Take a break, re-evaluate your priorities and set goals that are inspiring. Any goal that punctures your well-being is never worth it. Go slow, enjoy what you choose to do by being in the present moment. So, re-evaluate...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Ans: Dear Anonymous,
What according to you have caused these changes in him and that too after 11 years of courtship? Did any instance cause him to act differently than before? And were there no indications of him acting different during your courtship days?
Why I ask this is that it is difficult for anyone to pretend for 11 long years! He would have displayed his current behavior sometime in the past and maybe you simply decided to overlook it?
Courtship days and marriage days are vastly different and what seemed okay during the courtship time becomes an issue after marriage. If this is not the case, it's quite possible that some incident which was seemingly small became a huge issue in his head causing him to act different?
Now, why am I going into this so much is because most often we overlook reasons that can be worked on. So, do think hard on this...
It is also time to involve your parents who can talk to his mother and figure out why her son is acting all weird. Surely, your mother-in-law needs to know that her interference the way it is, is going to destroy her son's marriage. So, get your parents to talk to her. And in the meantime, as hard as it may seem, do take care of your health for yourself and your baby.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/