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Ramalingam

Ramalingam Kalirajan  |6625 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 11, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Gaurav Question by Gaurav on Jul 10, 2024Hindi
Money

I am 42 of age.. Living with family, my wife, 2 kid, daughter 7 year old and son 1.5 year old.. I m jobless.. Wife salary 80k aftar tds and PF (10k per month )..if we having 70 lakh and one property which current value around 40 lakh...but i m jobless..Can we survive if plan for retirement in the age of 50..

Ans: First, let's assess where you stand financially. Your wife earns Rs 80,000 after TDS and PF. You have Rs 70 lakhs in savings and a property worth Rs 40 lakhs. With no current job, planning for retirement by age 50 is crucial.

Having a clear understanding of your financial situation helps in making better decisions for the future. You have a solid foundation, but with careful planning, we can ensure a comfortable retirement.

Evaluating Your Monthly Expenses
To plan effectively, we need to understand your monthly expenses. This includes rent, groceries, utilities, children's education, and any other recurring costs. Knowing this will help us see how much you need to sustain your current lifestyle.

Reducing unnecessary expenses can free up more money for investment. Every rupee saved today can grow significantly by the time you retire.

Income and Savings
Your wife's income is Rs 80,000 per month. This is your primary source of income. It's essential to save a portion of this income regularly. Aim to save at least 20-30% of this income every month.

Your current savings of Rs 70 lakhs provide a good buffer. However, these funds need to be invested wisely to grow over time and support your retirement goals.

Investment Options
Investing in mutual funds can be a wise decision. Mutual funds offer the potential for higher returns compared to traditional savings accounts. They are managed by professionals who aim to maximize returns while managing risks.

Mutual funds come in various categories: equity funds, debt funds, hybrid funds, and more. Each category has its own risk and return profile. It's essential to diversify your investments across different types of funds to balance risk and reward.

Benefits of Actively Managed Funds
Actively managed funds have fund managers who actively select stocks to beat the market. They adapt to market changes and aim for higher returns. The personalized approach can be more beneficial than passive index funds, which simply mirror the market.

Actively managed funds may have higher fees, but they also have the potential for higher returns. The expertise of fund managers can help in navigating market volatility and achieving better outcomes.

Power of Compounding
Investing early allows you to take advantage of compounding. Compounding is when your investment earns returns, and those returns earn more returns. The longer your money is invested, the more it can grow.

Starting now, even small amounts can grow significantly over time. Regular investments, even modest ones, can build a substantial retirement corpus.

Diversification
Diversification is spreading your investments across different asset classes to reduce risk. By not putting all your money into one type of investment, you can protect yourself from market volatility.

Invest in a mix of equity and debt funds. Equities provide growth potential, while debt funds offer stability. This balance helps in managing risk and ensuring steady returns.

Insurance Coverage
Ensure you have adequate insurance coverage. Life insurance is crucial to protect your family's financial future in case of an unforeseen event. Health insurance is also vital to cover medical expenses.

Review your current policies and assess if they meet your needs. Consider term insurance for life coverage and a comprehensive health insurance policy for medical expenses.

Emergency Fund
Having an emergency fund is essential. This fund should cover 6-12 months of your living expenses. It acts as a safety net in case of unexpected expenses or job loss.

Keep this fund in a liquid form, such as a savings account or a liquid mutual fund. This ensures you can access the money quickly when needed.

Education Fund for Children
Setting up an education fund for your children is important. Education costs are rising, and having a dedicated fund ensures you can provide for their future.

Invest in child-specific mutual funds or education plans. These plans are designed to grow your money over time and meet educational expenses when required.

Retirement Planning
Your goal is to retire by age 50. This means you have 8 years to build a retirement corpus. Calculate how much you will need to sustain your lifestyle post-retirement.

Consider factors like inflation, life expectancy, and desired lifestyle. A certified financial planner can help create a detailed retirement plan tailored to your needs.

Systematic Investment Plan (SIP)
A Systematic Investment Plan (SIP) is a disciplined way of investing. You invest a fixed amount regularly in mutual funds. This not only inculcates a saving habit but also averages out the cost of investment over time.

SIPs are flexible and can be started with a small amount. They are a great way to build wealth gradually and systematically.

Assessing Risks
Understand the risks involved in investing. Equity funds are subject to market risks, but they also offer higher returns. Debt funds are safer but offer lower returns.

Balancing your portfolio with a mix of equity and debt funds can help in managing risks. Regularly review your portfolio to ensure it aligns with your goals and risk tolerance.

Monitoring and Rebalancing
Regularly monitor your investments to track their performance. Rebalancing is adjusting your portfolio to maintain the desired asset allocation.

Market conditions change, and rebalancing helps in taking advantage of these changes. This ensures your investments are aligned with your financial goals.

Tax Planning
Effective tax planning helps in saving money. Invest in tax-saving instruments like Equity Linked Savings Schemes (ELSS), Public Provident Fund (PPF), and others.

These investments not only help in saving taxes but also provide growth potential. Consult a certified financial planner to understand the best tax-saving options for you.

Utilizing Professional Help
A certified financial planner can provide personalized advice. They can help create a comprehensive financial plan, monitor your investments, and suggest adjustments.

Professional guidance ensures your financial decisions are well-informed and aligned with your goals. It also helps in staying disciplined and focused on your financial journey.

Lifestyle Adjustments
Consider making lifestyle adjustments to save more. Cutting down on non-essential expenses can free up more money for investments.

Living a modest lifestyle now can ensure a comfortable retirement later. Prioritize spending on necessities and save the rest for future needs.

Generating Additional Income
Look for ways to generate additional income. This could be through freelance work, part-time jobs, or monetizing a hobby.

Additional income streams can provide financial security and accelerate your investment goals. Be proactive in exploring opportunities to earn extra money.

Appreciating Your Efforts
Your efforts to plan for the future are commendable. It's not easy to manage finances, especially with current challenges.

Your determination to secure your family's future and plan for retirement is truly inspiring. Keep up the good work and stay focused on your goals.

Final Insights
Planning for retirement at age 50 requires careful planning and disciplined execution. With your current resources and wife's income, it's achievable.

Regular savings, smart investments, adequate insurance, and professional guidance are key. Stay committed to your plan, and you can enjoy a secure and comfortable retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
Asked on - Jul 11, 2024 | Answered on Jul 13, 2024
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My monthly exp around 60 k per month.. I have term policy, i already have LIC policy, around 5 lakh in pf and 2 lakh im share market... Can i invest 30% of corpus in a corporate fd with shri ram finance @9% ROI and rest where shud i diversify?
Ans: With monthly expenses of Rs. 60,000, a term policy, LIC policy, Rs. 5 lakh in PF, and Rs. 2 lakh in the share market, investing 30% of your corpus in a corporate FD with Shriram Finance at 9% ROI is a reasonable move for stability. Diversify the remaining 70% as follows:

Mutual Funds (40%): Split between equity (30%) and debt funds (10%) to balance growth and safety.
SIPs (20%): In high-performing equity mutual funds for regular and disciplined investment.
PPF/NPS (10%): For tax benefits and long-term growth.
This diversification balances risk and returns, ensuring financial stability and growth.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Mutual Funds, Financial Planning Expert - Answered on May 12, 2024

Asked by Anonymous - Feb 20, 2024Hindi
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Hello Sir, I am 46 Y Old , and I lost my Job . I have 2 kids . One require money from 2024-2028 ( 6L per annum) other kid require money from 2028-2032. I saved and keep aside 60 L for their education . I have today 71 L of EPF . My wife earn 50 K per month which is sufficent for us to run the home and some money put in health insurance and term insurance. I will reinvest any interest earn from these two invest ments ( 60 L and 71 L). 60 L Break Up is 14.5 L Mumtual fund , 25L PPF maturing in 2026, 10 L Government Bond maturing in 2024 3.4 L NSC maturing in 2032, 2.3L gold bond, 2 L Shares, 4 L FD. Please let me know can I have retirement life with 70 K from interests earning if i do not get job.
Ans: It's understandable that you're concerned about your financial security after losing your job, especially with two children's education expenses to consider. Let's assess your current financial situation and retirement prospects:

Education Fund:

With 60 lakhs set aside for your children's education, you have a significant portion of their expenses covered. Ensure that these funds are invested appropriately to generate returns that align with the time horizon of their education needs.
EPF and Other Investments:

Your EPF corpus of 71 lakhs, along with your other investments in mutual funds, PPF, government bonds, NSC, gold bonds, shares, and FDs, forms a substantial part of your financial assets.
Review the performance and asset allocation of these investments to ensure they are diversified and positioned to provide growth and stability over the long term.
Retirement Planning:

With a monthly interest income target of 70,000 rupees, you'll need to calculate the rate of return required on your investments to achieve this goal. Given the current interest rate environment, it may be challenging to generate such high returns without taking on significant risk.
Consider consulting with a financial advisor to assess your risk tolerance, investment options, and retirement goals. They can help you develop a personalized retirement plan that balances risk and return effectively.
Contingency Planning:

While your wife's income covers household expenses, it's essential to have a contingency plan in case of unexpected expenses or emergencies. Maintain an emergency fund equivalent to 6-12 months' worth of living expenses to provide financial stability during challenging times.
Reassessing Retirement Income:

Depending solely on interest income from your investments for retirement may not be sufficient, especially considering inflation and rising living costs. Explore additional income streams or part-time work opportunities to supplement your retirement income.
In conclusion, while your current investments provide a solid foundation, achieving your retirement income target solely through interest earnings may require a review of your investment strategy and retirement goals. Consider seeking professional financial advice to optimize your portfolio and plan for a secure retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

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Ramalingam Kalirajan  |6625 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 17, 2024

Asked by Anonymous - Jun 19, 2024Hindi
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I am 42 years old living with my wife 2 children of 7 years girl and 1 year boy.. Monthly salary around 1 lakh..monthly exp around 55-60 per month including one child study..we have around 70 lakh..one property with estimate value of 35 lakh..5 lakh in Pf...2 Lakh in stock market.although my job is not stable but also somehow atleast 60-70 I will earn either from job or small business till 52 age. What should I do to survive and want retirement @ 52-53 age...is it possible to survive for us with this situation.
Ans: At 42 years old, your goal of retiring at 52-53 with financial stability is achievable, given your current assets and income. Let's analyze your situation and outline a plan to secure your retirement.

Current Financial Position
Income and Expenses
Your monthly income is Rs. 1 lakh, and expenses are Rs. 55-60 thousand per month, including your child's education expenses. This leaves you with a manageable surplus for savings.

Assets
You have assets totaling around Rs. 70 lakhs, including a property valued at Rs. 35 lakhs, Rs. 5 lakhs in PF, and Rs. 2 lakhs in the stock market. These assets form a substantial base for your retirement planning.

Job Stability
Although your job isn't stable, you anticipate earning Rs. 60-70 thousand monthly until age 52 through either employment or a small business. This income projection adds to your financial security.

Retirement Planning Strategy
Build an Emergency Fund
Start by building an emergency fund. Aim for 6-12 months’ worth of expenses. This fund will safeguard your family in case of job fluctuations or unexpected expenses.

Invest Wisely
Diversified Investments
Invest your savings wisely. Diversify across assets like mutual funds, PPF, and possibly reallocation of stock market investments to reduce risk.

Avoid High-Risk Investments
Given your goal of retiring in 10-11 years, prioritize safer investments with moderate returns. Steer clear of high-risk ventures that could jeopardize your savings.

Child's Education Planning
Continue investing in your child's education. Plan systematically to cover future educational expenses, considering inflation and other financial obligations.

Retirement Corpus
Estimate Retirement Needs
Calculate your retirement needs based on current expenses and expected inflation. Factor in healthcare costs and lifestyle adjustments for accurate planning.

Regular Reviews
Regularly review and adjust your financial plan. Seek guidance from a Certified Financial Planner (CFP) to optimize investments and stay on track with retirement goals.

Family Security
Insurance Coverage
Ensure adequate insurance coverage for health and life. This protects your family against unforeseen medical expenses and provides financial support in case of any unfortunate event.

Estate Planning
Consider estate planning. Draft a will to secure your assets for your family's future. Consult a legal advisor for proper documentation.

Final Insights
With disciplined savings, strategic investments, and prudent financial planning, retiring at 52-53 is feasible for you. Maximize savings, diversify investments, and seek professional advice for optimal results. Your dedication to financial stability and family security will pave the way for a comfortable retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Ans: Dear Akriti,
After reading your question I can only give you one advice, please do not marry him no matter what people say. Even if we overlook every other red flag that he has exhibited, abuse of any form is unacceptable. Why are you trying to convince your parents to marry a guy who hits you? Do you think you deserve it or anyone, for that matter, deserves that?

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Dating, Relationships Expert - Answered on Oct 15, 2024

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Hi, I’m a 26 yr old woman, was in a relationship with my classmate from school a year ago. We dated for a few months and then talked to my parents about us as they had started looking for matches for me in arranged marriage . Once I told them about us they got very emotional and didn’t agree for our marriage as we are from different caste. So we decided to breakup and just stay as friends but we are not able to move on from each other ..it’s been 6 months now, my parents have started looking for alliances for me again now but I’m not getting any interest in these because I’m not able to forget him. But I’m also scared to take a strong decision to hurt my parents and get married to him because I’m a very sensitive person and sometimes he behaves manipulative with some people and I’m scared he’ll do that with me also if any fights happen with him or his family. But I’m not able to forget him. Please tell me what to do as I have lost peace and crying every night.
Ans: Dear Anonymous,
Sounds like you are torn between your feelings for him and love and respect for your parents. Firstly, acknowledge that you are allowed to feel confused. Next, understand that you deserve a relationship where you feel happy and safe. Will this relationship give you that? Take some time to evaluate whether staying with him will align with your goal of long-term happiness. You have mentioned manipulation; consider that too when gauging the potential of this relationship.

Coming to your parents, you can try gently communicating your unwillingness to get married to someone else right now. That does not automatically translate to your desire to marry this guy. It can also mean that you need some time to figure things out. Ultimately, you need to make a decision that makes you happy- whether it means working things out with him or taking a separate path. I am sure you will make the right choice.

Best Wishes.

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Relationships Expert, Mind Coach - Answered on Oct 15, 2024

Asked by Anonymous - Oct 07, 2024Hindi
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Mam i am a 52 year ols women i have never had a secure relationship only who wanted to have s.Marriage in proposals too dint work for me. At late 40 age i met a guy it was all good till start 1 year but since 3 years we just fight my fault to as i have no family no friends and all i have to look after 2 aged parents and i am deep involved my life is just that. This relationship is good to talk on phone as all i do is talk my problems 24 by 7 365 days which i understands upsets him. But i see no effort too from him for meeting planning dates and if i do i pay for it all he never pays . I lost interest felt disappointed after going on saying he never tries to make plans talk future his family finance. I am not sure what i should do stay or live my life alone which i was always doing.
Ans: Dear Anonymous,
Start fresh and if you had a clean slate, what would you want to draw on it?
All your miseries or what you actually want from life?
When you meet someone new and you dump your set of issues on them, how exactly do you think they are going to be interested in taking you out on a date?
Your prospective life partner is not a dumping yard for your life's problems BUT a person that is going to marry you and support you and who you can trust. And will you start this relationship by actually talking only about your problems? Honestly, you need to ask yourself if you will be interested in a guy who keeps ranting about all things going wrong...
Establish a connection by being on a positive ground and showing the other person that you care and also are interested in knowing about them. This interest will let them lower their guard down and actually connect with you at an emotional level and then you can pursue this as a potential life partner association...somewhere down the line, they will be genuinely interested in being a part of your challenges and that's when you make them your strength to solve these challenges. Am I making sense to you?
Do you see how you have been sabotaging your own future? Dust yourself, become genuinely interested in people not to dump your problems on them but to make a genuine connection and watch how things change for you. Prioritize your life not your problems!

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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Anu Krishna  |1201 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 15, 2024

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Hi, I am a 36yo guy. Married and have 2 beautiful kids. I am a naturally happy person in life and have achieved reasonable success through my hard work. From last 3 years i am in love with a married girl who works at an office near my workplace. We two believe that we are best suited for each other in every aspect i.e. mental, emotional and physical. We share a great chemistry that we never felt with our respective spouses. We decided that we both cant leave our spouses because of our kids. But very often she keeps on getting crazy and tortures and taunts me that i love my wife more and doesnt give value to her. She is mostly unhappy about this in her life and many times abuses me when she sees that i am a naturally happy and content person. I have even told her that if she wants we can take divorce from our spouses and move-in together. But she never accepts that also and keeps on making my life hard. But i do believe that we both love each other like crazy and my sexual life with her is just out of this world. I have a very high libido and she satisfies me like no other girl. My question is how can i make her sane and make her trust me that i am more inclined towards her?
Ans: Dear Avinash,
I am sure by now you realize that having parallel lives is not easy. Maybe you are at that stage where a decision must be made...
You owe at least that much to your respective spouses who have nothing to do this life of yours...

The lady in question wants the cake and wants to eat it too...obviously she needs to see that if she wants her marriage, then you are going to keep your marriage as well and with that all the insecurities that arise must also be accepted as this is something that the two of you got into willingly...did she not know that a relationship outside of marriage comes with its set of challenges like insecurities, doubts, fears, instability and more? I guess it's not about you making her sane and trust you BUT for the two fo you to come to some sort of a decision on where all this is leading?

Again, I say this...leading two lives in parallel ain't easy; especially on an emotional level!

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

...Read more

Anu

Anu Krishna  |1201 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 15, 2024

Asked by Anonymous - Oct 01, 2024
Relationship
Hi Anu, I have been reading since long the advices you give to others expecting that there can be an identical issue which i am suffering, i am 48yrs and my wife 42yrs married for 22yrs & having grown up children, over period of time my wife has become more dominating expecting me to listen and follow everything what she says, everything was going fine for until last six years when she was following me as a dutiful wife, since last 6-7yrs she is disinterested in sex also, i sit and speak with her trying to address all the issues, but things get back to ZERO within days, she has turned very short tempered and egoistic, shouting and using foul language in rage at times, we both are highly educated and give lectures at college with limited reasonable income, the problem is she compares her life to others and disturbs our life, ours is a marriage against parents so both the side relatives are little indifferent and we are not extroverts or that persons who are outgoing to change all that, we just lead our life within ourselves and try to help the relatives whenever they come to us. My question is that is it not cruel for a wife to deprive the husband of sex and develop unreasonable expectations comparing the lifestyles of others. when at peace my wife suggests that i can look outside for sex and she is ok with it but i don't believe in it and in her words, at times in rage she keeps asking for divorce uttering foul language, i keep reminding her that emotions, anger and rage shall only aggravate the issues we should know what we actually want and seek it speaking to each other, i feel that my wife doesn't know what she wants from herself or from me or from life, Anu, Is this all that pre-menopause frustrations which is building up or is it some mental issues which are surfacing due to negligence from me or our relatives? Please suggest? Thank you
Ans: Dear Anonymous,
Let's understand it in 3 ways..

1) Whether your wife is in pre-menopause or perimenopause or menopause stage can be determined only by a doctor. A lot of material floats on the internet convincing people of one over the other BUT it's important to get it validated by a doctor that will help your wife understand what is going on with her body and how it impacts her mind...

2) It is also possible that the current sex routine maybe boring to her and infusing it with some spice can get things going? So, think out of the box here...

3) Also, you might want to think if the emotional bond between the two of you has broken down; women respond to sex easier when they feel emotionally connected and safe with their man...

What will be useful in your situation is: to reconnect with her and aim to connect with her emotionally. This will help her in conveying to you what might be the problem and then it gets easier to solve it or take necessary steps...

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

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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