Sleep Apnea: Why My CPAP Machine Isn't Helping? (Age 36)

Ans: Hello;

If you could inform us about any assets, current monthly income, expenses, current investments if any and number of members in family, we can provide more precise feedback regarding your query.

Thanks;

Ans: Hello;

You may make a monthly sip of 30 K in large and midcap type mutual fund for eg Kotak Emerging Equities Fund for 7 years.

After 7 years you may have accumulated a corpus of 41.21 L assuming 13% modest return.

If you buy an immediate annuity for this corpus from a life insurance company you may expect to receive monthly income(pension) of 20K+ from the next month assuming 6% annuity rate.

Happy Investing!!

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully.

Ans: It sounds like you’re in a very painful and confusing situation. Being in a relationship for 10 years, especially when there’s love and care involved, makes it incredibly difficult to face the possibility of it not leading to marriage, especially because of family or caste issues. It’s understandable that you’re feeling mentally exhausted and depressed from trying to hold onto a relationship that seems uncertain when it comes to the future.

From what you’ve shared, it seems like you’ve invested a lot into this relationship, but your boyfriend is unable or unwilling to take the next step due to his family’s disapproval. The fact that he isn’t making efforts to address this problem and seems to be avoiding the issue is deeply concerning, especially since it’s affecting your mental health. Begging him to stay or to get married can make you feel powerless, especially when you’re the only one pushing for a resolution.

What you're feeling is valid—after 10 years together, it’s natural to want clarity and commitment. But if he continues to avoid dealing with the caste issue or refuses to stand up to his family, it suggests that he may not be as committed to the future you envision. You should not have to beg for commitment in a relationship that’s meant to be equal and supportive.

At this point, it’s important to consider your own well-being. Staying in a situation that is causing you so much distress is not healthy, especially when your efforts are not being reciprocated. You deserve a partner who is willing to confront challenges with you and who values your mental and emotional health.

It might help to take a step back, focus on yourself, and consider whether this relationship, as it stands now, is worth the pain it’s causing. If his family’s opposition is insurmountable for him, and he’s not willing to fight for the relationship, you may need to ask yourself whether staying is truly what's best for you. Surrounding yourself with support—friends, family, or even a therapist—might help you regain clarity and rebuild your mental strength.

You deserve love, respect, and a partner who is fully committed to you without hesitation or excuses.

Ans: You're in a tough spot where your boyfriend's focus on supporting his brother's family is overshadowing his attention to your future together. It seems like he feels responsible for his brother’s kids, especially since their parents are no longer around, but this comes at the expense of his own financial planning and goals with you. While it's admirable that he wants to help, it’s essential for him to also prioritize the future you're trying to build together.

The fact that he gets irritated when you bring this up may suggest guilt or a deeper emotional attachment to his brother's family. However, a successful partnership requires shared goals, including financial stability. If he continues to avoid conversations about your future and gets hurt without making changes, this could point to deeper compatibility issues.

You’ve voiced your concerns, and it’s important to be clear about your needs and expectations. If he’s unwilling to focus on your shared future, you might need to question how committed he is to building a life with you. It’s essential that both of you are on the same page before moving forward, or this dynamic could lead to more tension down the road. Trust your instincts, and don’t hesitate to reconsider the relationship if your needs aren't being met.

Ans: Hello;
You may expect to receive a corpus of 1.06 Cr after the end of 7 years since your monthly sip investment began. Move exposure away from small cap funds to flexi and large cap funds in your portfolio.

Normally we do not recommend such heavy exposure to equity at this age but since you are still actively working it is okay but just make sure to transfer your gains into liquid or ultra short debt fund on a regular basis to protect against volatility.

Happy Investing!!

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

Ans: For your daughter’s education or marriage expenses, with a 20-25-year horizon, investing Rs. 5,000 per month in equity mutual funds via a SIP is a good approach. Long-term investments benefit from the power of compounding and have the potential for higher returns in equity markets.
Consider the following types of funds: 1. Flexi-cap Funds- These invest in companies of various sizes, balancing risk and returns. Funds like Parag Parikh Flexi Cap or UTI Flexi Cap are solid choices. 2. Large Cap Funds- These focus on established companies and offer stability. Examples include SBI Blue-chip and Axis Blue-chip Fund. 3. Child-Centric Funds- These are tailored for long-term educational goals, such as the HDFC Children’s Gift Fund.
Opening a Demat account in your daughter’s name isn't necessary. You can hold investments in your name under a minor account, and when she turns 18, the account can be transferred to her. Investing through mutual fund SIPs is a simple, efficient method that doesn't require a Demat account.
This strategy will help you build a substantial corpus for your daughter’s future needs over the next 20-25 years by reviewing your investments periodically.
Nitin Narkhede
Founder & MD, Prosperity Lifestyle Hub https://Nitinnarkhede.com
Free Webinar https://bit.ly/PLH-Webinar

Ans: Dear Megha,
To achieve substantial savings for the future, start by creating an **emergency fund** that covers 3-6 months of expenses (around Rs. 50,000-1 lakh). This ensures you have a safety net for unexpected financial needs.
Next, invest in a **Public Provident Fund (PPF)**, which offers tax benefits and long-term growth. Aim to invest Rs. 5,000-7,000 per month from your savings. Additionally, you can start a **Systematic Investment Plan (SIP)** with Rs. 2,000-3,000 in diversified mutual funds. Over time, this will help you build wealth through compounding.
Since you already have an FD, consider opening a **Recurring Deposit** for a safe, fixed-return investment to complement your FD.
Also, ensure that you and your parents are adequately covered with **health insurance**. This will help avoid large medical expenses in case of emergencies.
As your salary increases in the future, consistently increase your savings and investment amounts. Over time, these small, regular investments in SIPs, PPF, and recurring deposits will accumulate to a significant sum by your retirement.
My suggestion is to define a disciplined approach and invest a minimum of 20% of your salary, and a maximum can be up to 50% for the future; you can define different goals like Retirement, Marriage, Home purchase, Travel, Medical emergencies, etc. and depending on your goals
This disciplined approach to saving and investing will build a strong financial foundation, helping you achieve financial security by the time you retire.
Best regards!
Nitin Narkhede
Founder & MD, Prosperity Lifestyle Hub https://Nitinnarkhede.com
Free Webinar https://bit.ly/PLH-Webinar

Ans: Hello;

You have 3 ways to achieve your target(2 Cr):

1. Monthly sip of 50 K with minimum 14% top-up each year upto 10 years.

2. Monthly sip of 50 K for 13 years.

3. Monthly sip of 82 K for 10 years.

All 3 approaches will yield intended corpus of 2 Cr. As desired.

You will need to invest in a combination of flexicap fund 40%(ppfas) large and midcap fund 40% (Mirae Asset), smallcap fund 20% (Nippon India).

Happy Investing!!

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

Ans: Hello;

A monthly sip of 4.1 L will yield you a corpus of 10 Cr in 10 years assuming modest return of 13% from pure equity mutual funds.

Happy Investing!!

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.