Dear Sir, I am a 35-year-old IT professional seeking your advice on my Mutual Funds portfolio. I would like to know if it looks good as it is or if any changes are needed. Here is the breakdown of my SIP portfolio: 1. Parag Parikh Flexi cap - ?7500 2. Quant Small Cap - ?4500 3. Axis Midcap - ?5500 4. Mahindra Manulife Multicap - ?2500 5. Mirae Asset Large and MidCap - ?3000 6. ICICI Prudential Ultra Short Term - ?18500 I utilize the ICICI Prudential Ultra Short Term fund to cover my life insurance (Jeevan Labh) with a sum assured of ?35 Lakhs. The yearly payment mode is ?1.92 Lakhs. Could you advise if this approach is appropriate? I have been investing in Mutual Funds for the past four years, with the current overall investment being ?8 Lakhs. Initially, I did not have specific goals, but now, with two children, I am looking to save for their education and my retirement. I plan to continue investing in Mutual Funds for the next 7 to 10 years. Additionally, I invest ?5000 per month each in PPF and SSY. I also have a car loan of ?10 Lakhs with an 8.8% interest rate over 48 months. The outstanding balance is ?9 Lakhs, and I pay ?25,000 per month towards the car loan. I can take moderately high risk. Could you provide insights on how my portfolio and investment plan look overall? Regards, Prakash

My Boyfriend is not really the Controlling type. But, sometimes, he disapproves of some things which I do. In such cases, he communicates his Disapproval indirectly saying "I don't like you Dressing up like this Boldly. But still, if that's what you want, you may go ahead & Dress up as you'd like to, I have no Right to prevent you from doing so, but I will be Disappointed if you do." or "I don't want you to go out or hang out with these particular people (some of my close Male Friends). You have all the Freedom to interact with whoever you want to, but I will be Hurt, if you are too Close to your other Male Friends." Most of the time, I compromised & avoided Dressing up too Boldly, avoided Partying/Travelling with some of my Close Male Friends & avoided some other things which he wouldn't approve of, just for the sake of maintaining our Relationship. But recently, I tried to Test, how he'd react, if I deliberately do something which he doesn't like. So, on New Year's Day, I dressed up in revealing Clothes that he would never approve of & Partied wildly, all Night & even got Drunk with some of my Close Male Friends, with whom, he wants me to maintain Distance. He stubbornly refused to come for Partying with me, because I Dressed up too Boldly & refused to change them, even after he expected me to do so. He didn't even want me Drinking/Partying with some of my Close Male Friends. But I Respected the Boundaries of our Relationship & throughout the Night, I kept my Boyfriend informed about my Whereabouts, so that he's Reassured that I am not Cheating on him. But ever since then, he's been Treating me rather Coldly. He's being Indifferent to me, without Questioning me much, the way he always used to. He's just maintaining normal Communication without being Flirtatious, as he used to. And the Sex has also become quite Mechanical without much Romance, unlike how Passionate he used to be, earlier. I've tried talking to him, but he just keeps lying that he isn't Upset with me. Now I am Feeling really Guilty for whatever I had done on New Year's Day, even though, I don't think I did anything Wrong. Was it really Wrong on my Part, to do something which I always liked to, but my Boyfriend didn't want me to? Or is my Boyfriend Wrong, here? What do I do now? Please advise me.

How do I 32M get over my insecurity with 30F? (Seeking Advice) Met this girl via matrimony exactly 2 months back. We connect well. Our families have met recently and it went well. Somehow we found a lot of connections between our families. That's just a bonus. Her family likes me a lot and they wanted to do Roka when they met us last week. I had told her, that no matter our bond, we should talk a lot and give it 3 months before going for roka. We live in different metro cities and have met twice now. About her: She is 30, well behaved & spoken(most important thing for me), smart, good looking, and is extremely polite. She is an army brat, has had a lot of freedom from family. Due to her father's job, they kept getting posted to different cities so she doesn't really understand family part of things. She's in a IT job. About me: I'm 32, okayish guy, in IT. To take things ahead I need to know my partner's past. I have no judgements at all but need to know stuff. Getting to know things over time bothers me a lot. I've tried to work on it, and have always made sure I don't bother the other person too much. After a month of talking, she told me that she had a casual boyfriend for an year. All her friends were dating in Bangalore and she decided to try it out. Found a guy through bumble and started dating him. So, according to her there were no feelings, just a person for her to go to places with, have drinks, and party. She likes drinking a lot and I have never taken a sip. She said that it was just a phase and she was immature. This happened between 2018(Nov) to 2020(march). So, it's been like 5 years. Never dated anyone after that. Since covid(2020) she's been living with her parents due to wfh. I have been completely ok with that but new things surfaced and they are messing with my head. While snooping around her facebook I figured out who that person was and this guy is super close to a person in my distant family. In fact they both were flatmates until their respective marriages. This distant cousin of mine knows me and knows her really well. These 3 used to hangout a lot and he has seen her come to their flat regularly. Infact, she had a good bond with my cousin as well. There are things that bother me and I really can't shake things and feel super awful in my gut. She mentioned that she and her ex had a common love for drinking and regularly visited pubs, got drunk, and partied. This means that they would be staying at each other's place as well. This is something super old but bothers me a lot. Specifically the fact that she would be drunk partying with someone for an year and sleeping with him, with no feelings. Secondly, I found some posts where she has liked a post about this guy on fb/insta from mid-2021. I have already confronted her twice to share everything and we shall never discuss this again but this bothers me a lot. Secondly, now that I know the timelines I can figure out what photos have been taken by her ex. There's even a photo of her sitting on a messy bed, where she's cutting her bday cake. They celebrated it together. I found my cousins page and some other pages from which I knew it's the guy's room/flat. I know everyone has a past. She has come clean to me but somehow my brain is so split. Sometimes her nature and behaviour with me make me not care about anything. And then I know the bed, flat, and her actions with some guy. Then there is this angle where the ex's flatmate is my distant cousin and knows about her well.

I am working abroad, while my Girlfriend is working in Delhi, living in NCR. We both were Dating since our College Days & have been in a Long Distance Relationship since I moved abroad, more than a Year ago & she moved to Delhi-NCR from Calcutta (where most of our Common Friends are based). While we were together with our Common Friends from College, we'd Travel, Party & have a lot of Fun together as a Group, since we all knew & trusted each other quite well, Irrespective of Gender. When we both moved to Different Places & started our Respective Jobs, we became Friends with our Respective Colleagues, but we have an Implied Understanding that we should be Maintaining Stricter Boundaries with our New Friends/Colleagues, since we are in a Long Distance Relationship. I've always honoured the commitment & have been Careful to not spend private time with any other Woman & Travel/Party only with a Group consisting of both Men & Women. But I am not sure my Girlfriend is doing the same. Quite often she keeps Travelling, Partying, Drinking & Sleeping over with some 2-3 Male Colleagues, who are quite close to her, but unknown to me. She doesn't even bother to keep me updated about where she is, what she's doing & with whom, but keeps Posting Status Updates on Instagram, from time to time and from what I have observed, she seems to be spending quite a lot of Time with these Male Colleagues of hers. All this makes me feel very Uncomfortable. Even though I Love & Trust my Girlfriend, but I'm unsure about these New 'Friends' of hers as I don't know them & obviously, I don't like them being so close to my Girlfriend. Many times, I've discussed this matter with my Girlfriend, trying to make her understand how I feel. But every time, I bring up this Topic, she tries to invalidate my feelings & shuts me down saying that I'm just Insecure. I'd also tried getting to know her New Friends in order to understand them better, but she doesn't share much about them, with me. Though, she keeps Reassuring me that they're 'Just Friends' they seem to be much closer than that. On several occasions, she had gone out with them, even though I had strictly forbidden her to. I don't understand whether she's unable to understand how I'm feeling or that she doesn't even care about my Feelings, though I still want to continue Loving & Trusting her, without Doubting her Loyalty. I don't understand what to do in this situation. How can I make her enforce stricter Boundaries with her Male Colleagues (atleast as much as I am doing here)? Shall I get a Friend or a Private Investigator to keep an Eye on her? Or shall I behave the same way, she's been doing? Or, shall I Break-up with her & try to find someone else, over here?

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Hi, I am currently 28 married with no kids. Planning for a kid this year. Monthly earning around 60k post tax. I want to retire very early by age 33. Currently staying in wife's own house which is where we will be staying life long. Have parental assets worth 7 cr which I will completely sell and turn into liquid. Monthly expenses around 1.5 lakhs. Is 7cr corpus enough to sustain for the next 50 years considering that I want to play it safe with only FD's and also considering inflation and tax ? Kindly suggest. Thanks.

Hello sir, my husband and I both are working and our only son is 7 years old. While my husband is 43 years old and I'm 40, if I talk about our CTC, my husband is at 40 LPA and I'm at 18.5 LPA. While my husband will continue working , i want to take a retirement and spend time with my son...So far we've a weath of 1 cr own house in Noida, we've invested 60 L in another house which we plan to sell soon as the house is under construction and we might get good returns...60 L is our combined PF contribution, two lands worth Rs 50 L, around 10 Lakh Gold. We don't have any home or any other liability in terms of money. Need your help in planning this better please. As I want to completely concentrate on my son and my husband would continue working...