Hi, I have 1 lakh with me I want to invest this amount for a period of 1 year and after that I require it for my marriage.please tell me if I can get 10-12% return on it so that I can use that money for my marriage

Ans: Thank you for sharing the details clearly. Let me break this down calmly and practically.

Where you stand today
Age: 48
Investment start: 2017
Current portfolio value: approx ?82 lakh
Monthly SIP: ?50,000
Time to goal: 10 years
Target corpus: ?2.5 crore at age 58

First, the good news. With an ?82 lakh base already built, you are not starting late. You are already past the hardest part, which is accumulation.

Is the goal achievable?
Yes, it is achievable with discipline and some fine tuning.

If your existing ?82 lakh grows at a modest 11 percent for 10 years, it alone can become roughly ?2.3 crore.
Your ongoing SIP of ?50,000 per month, even at 10 to 11 percent, can add another ?1 crore plus over 10 years.

So mathematically, you are on track. The key question is risk balance and fund structure, not return chasing.

Review of your current SIP portfolio
Right now, your SIPs have:
• Heavy exposure to small cap funds
• Multiple funds from the same AMC
• One sector fund
• Very little clarity on core stability

Small caps give good returns, but at your age and goal timeline, too much concentration can increase volatility when you least want it.

What needs correction
Reduce small cap overload
You have three small cap funds plus one focused fund. That is aggressive. Keep one strong small cap fund, not three.

Avoid duplication
Multiple funds from the same AMC don’t add diversification. They increase overlap.

Sector fund allocation
Pharma fund is fine, but limit it to a smaller portion. Sector funds should never drive the portfolio.

Add a clear core
Large cap or flexi cap should be the backbone now. Stability matters more than excitement.

Suggested SIP structure (illustrative)
Out of ?50,000 monthly SIP:

• Large cap or Flexi cap: ?15,000
• Hybrid or Dynamic asset allocation: ?10,000
• Mid cap: ?10,000
• Small cap: ?10,000
• Sector or thematic (optional): ?5,000

This gives growth without sleepless nights.

Important next steps
• Gradually rebalance existing investments, do not exit everything at once
• Shift from Regular plans to Direct plans if possible (this alone improves returns)
• Review asset allocation every year, not returns
• From age 55 onward, slowly start moving part of equity gains to safer instruments

Final thought
Your goal of ?2.5 crore is realistic. You don’t need aggressive bets anymore. You need consistency, structure, and risk control.

If you want, I can:
• Rebuild this exact portfolio fund by fund
• Estimate year wise corpus growth
• Suggest a pre retirement safety strategy from age 55

Just tell me how deep you want to go.


Thank you for sharing your details so openly. Let me talk to you like I would to a friend, not in numbers first, but in reality.

You are 48, you started investing back in 2017, and today you’ve already built around ?82 lakh. That itself tells me one thing. You are disciplined and you stayed invested. That matters more than anything else.

Now about your goal of ?2.5 crore by 58. Honestly, this is not an unrealistic dream. In fact, you are closer than you think. With ten years still in hand and a steady ?50,000 SIP running, the foundation is already strong.

Looking at your SIP list, you’ve clearly leaned towards growth funds, especially small caps. That’s fine, and it probably helped you build this corpus so far. But as you move closer to your goal, the game slowly changes. It’s less about chasing the highest return and more about protecting what you’ve already built.

Right now, there’s a bit too much exposure to small caps and some overlap between funds. When markets do well, this feels great. But when they correct, the same portfolio can test your patience and peace of mind.

You don’t need to overhaul everything. Small adjustments are enough. Think of large cap or flexi cap funds as the steady engine of your portfolio. Mid caps and small caps should add growth, not dominate it. Sector funds like pharma are okay in small doses, but they shouldn’t drive your future.

If you balance things a little better, your existing ?82 lakh has a very good chance of compounding close to your target on its own. Your SIPs then become the safety margin, not the lifeline.

The most important part comes after 55. That’s when you slowly start moving some money to safer avenues so that a market fall doesn’t hit you right before retirement.

Ans: Dear Navya,
He loves her
He wants to forgive her
BUT
He is not able to forget what his wife has done
Sadly, both these work in opposite directions...
If he is willing to rebuild his marriage, he does not need to forget what his wife has done BUT he can work on how to process what she has done. This is difficult to do...but he will need to understand what happened, the reasons for it, if the wife is still interested in the marriage and if both are willing to work together towards the future. If this seems a bit difficult to work out by themselves, I suggest that they see an expert who can guide them aptly.

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,
Please take him to a professional who can evaluate him. There are a lot of gaps in what you haev shared and a professional will be able to ask the right questions and be of better guidance to your son and your family.

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

Ans: He can prepare for or appear in government competitive exams like SSC CGL, SSC JE (after degree), MPSE/UPSC Civil Services, and start internships such as DRDO or other research internships. Now, plan for GATE for PSU jobs. You should not worry about your son because students studying engineering are acquainted with these exams. Ask him to keep updated about the exams. If possible, ask him to go through the employment news (https://employmentnews.gov.in/) to stay informed. Develop the habit of reading the employment advertisements published in the top English newspapers to learn about the latest requirements in the tech field (as government jobs are uncertain).

Good luck.
Follow me if you receive this reply.
Radheshyam

Ans: Dear Anonymous,
No, you are not wrong to expect to support or comfort you. But, simply asking him to stay away from people isn't going to solve anything. If anything, he's going to think that he is being controlled.
Instead, why don't you tell him exactly how you feel when that person is around you. Let him see what the other person and says and how that makes you feel; this can happen when you are face to face with that person and your husband also sees what exactly is happening.
Now, you may ask why you need to do so much to get it to your husband's notice; this is because despite you telling him, he has ignored it...so, you are having to take the longer route...

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

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Ans: Refund against TDS can only be Claimed by filing Income Tax Return, for the relevant year under reference. TDS may be from any source like Salary, Commission, Interest or Online Games etc., may be claimed by filing your ITR.
Most Welcome for further clarifications, if any. Thanks.

Ans: A major potion of your PF amount can be withdrawn for the purpose of Purchase of a house, just before three months of your Retirement. Balance amount can be withdrawn only after Retirement, which in your case is not far away.
Most Welcome for further clarifications, if any. Thanks.

Ans: Hi Bhavin,

Currently most of your investments are in Fixed Income/Debt category, which will just meet the inflation.

I suggest you invest a major % of your investment amount towards Equity Mutual Funds. They have a potential for growth over a long period, 5 years and more.

It can help accumulate a good corpus over the next 10-15 years before your retirement.

Child Education is the requirement which is in the next 1-4 years, so for that you can use your existing investments or take a education loan.

For other goals of Marriage and retirement, you have time and Equity Mutual funds can help accumulate corpus for it.
Invest in a Flexicap, multicap and balance advantage schemes for the next 10-15 years. You can consider PPFAS Flexicap,

Thanks & Regards
Janak Patel
Certified Financial Planner.