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45, single, 33k salary: How to get 50k passive income?

Ramalingam

Ramalingam Kalirajan  |6592 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 08, 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
Asked by Anonymous - Jul 31, 2024Hindi
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Sir, I am 45, single .Monthly salary 33k. 5000k monthly SIP in Mutual fund is going on from 2 years ago. 5L lumpsum invested in mutual fund 2 months ago. FD 10 L . I'd like to get 50k per month from passive income. Please advise.

Ans: Current Financial Situation
Age: 45
Single
Monthly salary: Rs. 33,000
Monthly SIP: Rs. 5,000 in Mutual Funds (started 2 years ago)
Lumpsum investment: Rs. 5 lakh in Mutual Funds (invested 2 months ago)
Fixed Deposit: Rs. 10 lakh
You aim to get Rs. 50,000 per month from passive income. This requires a strategic approach.

Income from Mutual Funds
Benefits of Actively Managed Funds
Professional management
Potential for higher returns
Diversification
SIP Continuation
Keep your Rs. 5,000 SIP ongoing.
Gradual and disciplined investment
Helps in rupee cost averaging
Additional SIPs
Increase your SIP amount if possible.
Channel more of your savings into SIPs.
Lumpsum Investment
Invest in actively managed funds.
Regular monitoring by fund managers
Fixed Deposits (FD)
Current FD Investment
Rs. 10 lakh in FD
Provides safety but low returns
Recommendations
Reallocate some FD funds to debt mutual funds.
Debt mutual funds offer better returns than FDs.
Maintain a balance between safety and returns.
Generating Passive Income
Dividend Paying Mutual Funds
Invest in funds that pay regular dividends.
Choose funds with a good track record.
Systematic Withdrawal Plan (SWP)
Opt for SWP from your mutual fund investments.
Regular monthly income
More tax-efficient than FD interest
Hybrid Mutual Funds
Invest in hybrid funds (balanced funds).
Combination of equity and debt
Potential for steady returns
Conservative Debt Funds
Invest part of your funds in conservative debt funds.
Lower risk compared to equity
Steady income
Portfolio Diversification
Equity Funds
Continue investing in equity funds for growth.
Diversified portfolio to reduce risk
Debt Funds
Allocate more to debt funds for stability.
Balance between equity and debt
Rebalancing
Regularly rebalance your portfolio.
Ensure the right mix of equity and debt
Financial Planning Tips
Emergency Fund
Keep an emergency fund.
At least 6 months of expenses
Use liquid funds or savings account
Retirement Planning
Plan for retirement early.
Invest in long-term instruments
Start PPF or NPS for retirement corpus
Health Insurance
Ensure adequate health insurance.
Cover medical emergencies
Avoid dipping into savings
Additional Considerations
Professional Advice
Consult a Certified Financial Planner.
Tailored advice for your situation
Regular reviews and updates
Avoid Direct Funds
Direct funds require more involvement.
Regular funds offer professional advice
Easier to manage with a Certified Financial Planner
Avoid Index Funds
Index funds track the market.
Lower potential for high returns
Actively managed funds have better prospects
Final Insights
Passive Income Goal
Achieving Rs. 50,000 monthly requires a well-planned approach.
Diversify your investments.
Balance between growth and stability
Long-Term Focus
Focus on long-term goals.
Regular monitoring and rebalancing
Consult a Certified Financial Planner
Continued Learning
Stay updated with market trends.
Regularly review your financial plan
Adjust as needed
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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Ramalingam

Ramalingam Kalirajan  |6592 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 20, 2024

Asked by Anonymous - May 16, 2024Hindi
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I am 56 year old Monthly income is 50K i.e pension. Presently I am investing 20 K in SIP, corpus is 20 lacs. PPF 15Lacs. Bank FDs 40 lacs, 2 resedential Plots worth 1.25Cr. 01 daughter She is MBBS and doing MD from Govt Medical College. I have my own house, no loans. I feel there should more income through passive mode. Kindly suggest is this invesment are ok and what are available avenues/opportunities for me to generate passive income.
Ans: First, congratulations on your well-managed finances. With a stable pension income, significant investments in SIPs, PPF, and FDs, and valuable real estate, you have a solid financial foundation.
Evaluating Your Investments
Monthly Income and Savings
1. Pension: You receive a monthly pension of ?50,000.
2. SIP Investment: You invest ?20,000 monthly in SIPs, which is a commendable practice for long-term growth.
Existing Corpus
1. Mutual Fund Corpus: Your SIPs have built a corpus of ?20 lakhs.
2. PPF Investment: You have ?15 lakhs in PPF, offering stable, tax-free returns.
3. Fixed Deposits: You have ?40 lakhs in bank FDs, providing secure but lower returns.
Real Estate Holdings
1. Residential Plots: Your two residential plots are worth ?1.25 crores, a significant asset.
2. Own House: You have your own house, ensuring no rental expenses.
Enhancing Passive Income
To increase passive income, consider the following strategies:
Rebalancing Your Portfolio
1. Diversify Investments: While FDs and PPFs are safe, they offer lower returns. Consider reallocating some funds to higher-yield investments.
2. Mutual Funds: Continue with SIPs, but explore equity-oriented balanced funds for higher returns with managed risk.
Exploring Dividend-Paying Investments
1. Dividend Stocks: Invest in blue-chip companies with a history of paying consistent dividends. This provides regular income and potential capital appreciation.
2. Debt Mutual Funds: Consider debt funds that offer better returns than FDs with moderate risk.
Real Estate Income
While not suggesting real estate as a primary investment, consider leveraging your existing assets:
1. Rent Out Plots: If feasible, rent out the residential plots for additional income.
2. REITs: Consider investing in Real Estate Investment Trusts (REITs) for regular income without the hassle of managing properties.
Fixed Income Instruments
1. Senior Citizens' Saving Scheme (SCSS): This scheme offers higher interest rates for senior citizens and provides regular income.
2. Monthly Income Plans (MIPs): Invest in MIPs offered by mutual funds that provide monthly dividends, ensuring a steady income stream.
Reviewing and Adjusting Investments
1. Consult a CFP: Regularly review your portfolio with a Certified Financial Planner to ensure it aligns with your financial goals.
2. Stay Updated: Keep informed about new investment opportunities and adjust your portfolio accordingly.
Considering Risks and Returns
1. Balanced Approach: Maintain a balance between risk and return by diversifying across various asset classes.
2. Risk Management: Ensure a portion of your portfolio remains in low-risk investments to safeguard against market volatility.
Planning for Future Expenses
1. Medical Expenses: With your daughter pursuing MD, future medical expenses should be planned for, possibly through a dedicated health fund.
2. Emergency Fund: Maintain an emergency fund equivalent to at least six months of expenses.
Conclusion
Your financial strategy is commendable, and you have built a robust portfolio. To enhance passive income, consider diversifying into higher-yield investments while maintaining a balanced risk approach. Regular reviews and adjustments with the help of a Certified Financial Planner will ensure your investments remain aligned with your goals.
Genuine Compliments and Appreciation
Your diligent financial planning is impressive and sets a great example. Your commitment to securing your financial future and providing for your family is truly admirable.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6592 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 06, 2024

Money
Hi sir I'm hemanth working in postal department with 21k and doing sip of 7k in 9 Mfs from past 3 years and 1 lakh in direct stocks....can u suggest me to do something else to increase my passive income
Ans: Hi Hemanth! First, let me congratulate you on your disciplined investment approach. Investing Rs. 7,000 monthly in SIPs and holding Rs. 1 lakh in direct stocks is commendable. Let’s explore how you can increase your passive income.

Understanding Your Current Investment Portfolio
You’re currently investing Rs. 7,000 per month in 9 mutual funds and have Rs. 1 lakh in direct stocks. This is a great start and shows your commitment to building wealth. Here’s how you can optimize and diversify further.

Diversifying Mutual Funds
While investing in mutual funds, diversification is key. You’ve chosen 9 mutual funds, but it's essential to review their categories and performance regularly.

Types of Mutual Funds
Equity Funds: High risk, high return. Suitable for long-term goals.
Debt Funds: Low risk, stable returns. Ideal for short to medium-term goals.
Hybrid Funds: Mix of equity and debt. Balances risk and return.
Advantages of Mutual Funds
Professional Management: Managed by experts.
Diversification: Spreads risk across various securities.
Liquidity: Easy to buy and sell.
Evaluating Direct Stocks
You have Rs. 1 lakh in direct stocks. It’s crucial to regularly review and assess their performance.

Benefits of Direct Stocks
Potential for High Returns: Direct ownership of company shares.
Control: You decide when to buy or sell.
Risks of Direct Stocks
Market Volatility: Prices can fluctuate widely.
Need for Research: Requires constant monitoring and analysis.
Exploring Other Investment Options
To increase your passive income, consider diversifying into other investment avenues. Here are some options:

1. Systematic Investment Plan (SIP)
Continue with your SIPs but ensure they are well-diversified. SIPs offer the benefit of rupee cost averaging, reducing the impact of market volatility.

2. Fixed Deposits (FDs)
FDs are a safe investment option offering fixed returns. Though the returns are lower compared to equities, they provide stability.

3. Public Provident Fund (PPF)
PPF is a long-term, government-backed investment. It offers tax benefits and a decent return, making it a safe and attractive option.

Generating Passive Income
Passive income streams can provide financial stability and additional income. Here are some ideas:

1. Systematic Withdrawal Plan (SWP)
SWP allows you to withdraw a fixed amount from your mutual fund investments at regular intervals. This can provide a steady income stream while your remaining investment continues to grow.

Benefits of SWP
Regular Income: Provides a predictable cash flow.
Capital Preservation: Only part of your investment is withdrawn, leaving the rest to grow.
Tax Efficiency: Only the gains portion is taxed, which can be more tax-efficient than regular income.
Power of SWP
SWP harnesses the power of compounding and market growth. By withdrawing only a portion, your principal amount continues to earn returns. This can provide a sustainable income stream over a long period.

Importance of Financial Planning
A solid financial plan is crucial for achieving your financial goals. Here’s how to go about it:

1. Set Clear Goals
Define your financial goals, both short-term and long-term. This helps in creating a focused investment strategy.

2. Budgeting
Create a monthly budget to track your income and expenses. This ensures you have enough savings to invest.

3. Emergency Fund
Maintain an emergency fund to cover 6-12 months of expenses. This provides financial security in case of unforeseen events.

Power of Compounding
The power of compounding is a critical aspect of wealth creation. It allows your investments to grow exponentially over time.

Example of Compounding
Investing Rs. 10,000 monthly at an average annual return of 12% for 20 years can significantly grow your wealth due to compounding.

Regular Review and Rebalancing
Regularly review your investment portfolio. Rebalance it annually to maintain the desired asset allocation and achieve optimal returns.

Benefits of Actively Managed Funds
Actively managed funds are controlled by fund managers who make strategic decisions. Here’s why they are beneficial:

Flexibility: Managers can adapt to market changes.
Potential for Higher Returns: Can outperform the market.
Risk Management: Fund managers can mitigate risks.
Disadvantages of Index Funds
Index funds mimic the performance of a market index. Here are some disadvantages:

Lack of Flexibility: Cannot adapt to market changes.
Market Risk: Exposed to the entire market’s ups and downs.
Lower Returns: May not outperform actively managed funds.
Disadvantages of Direct Funds
Direct funds have no intermediary, so you save on commission. However, there are drawbacks:

Lack of Guidance: No professional advice.
Time-Consuming: Requires constant monitoring.
Higher Risk: Without expert advice, the risk of poor decisions increases.
Benefits of Regular Funds through CFP
Investing through a Certified Financial Planner (CFP) offers several benefits:

Professional Advice: Expert guidance on fund selection.
Regular Monitoring: Continuous review and adjustments.
Tailored Portfolio: Customized investment strategy based on your goals.
Tax Planning
Effective tax planning enhances your savings and investment returns.

1. Utilize Section 80C
Maximize your deductions under Section 80C through investments in PPF, ELSS, and other eligible instruments.

2. Leverage Section 80CCD
NPS contributions offer additional tax benefits under Section 80CCD.

3. Health Insurance
Premiums paid for health insurance provide deductions under Section 80D.

Estate Planning
Estate planning ensures your assets are distributed as per your wishes.

1. Will
Draft a will to specify asset distribution. This prevents legal complications and ensures your wishes are honored.

2. Nominees
Appoint nominees for your bank accounts, insurance policies, and investments. This simplifies the transfer of assets in case of your absence.

Final Insights
You’re doing a fantastic job with your investments. To increase your passive income, consider diversifying further and exploring new investment avenues. Regularly review and rebalance your portfolio, and consult a Certified Financial Planner (CFP) for personalized advice.

Stay disciplined and focused on your financial goals. Small, consistent efforts can lead to significant financial growth over time.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6592 Answers  |Ask -

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

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I have mutual fund of 1cr and equity of 60 lacs Fd of 35 lacs income of amount 1lacs per month my age 40.At 50 age I need 5 cr.please suggest
Ans: Current Financial Situation
Mutual Funds: Rs 1 crore
Equity Investments: Rs 60 lakhs
Fixed Deposits: Rs 35 lakhs
Monthly Income: Rs 1 lakh
Age: 40 years
Goal: Rs 5 crores by age 50
Evaluating Current Portfolio
Your current portfolio is diversified across mutual funds, equity, and fixed deposits. To achieve your goal of Rs 5 crores in 10 years, let's analyze and suggest a strategy.

Target Growth Rate
To reach Rs 5 crores in 10 years, you need a clear investment plan with a balanced growth strategy. Assuming an annual return of around 12%, let's outline a plan.

Mutual Fund Investments
Systematic Investment Plan (SIP)
Recommendation: Continue or start SIPs in diversified equity mutual funds.
Diversification: Focus on large cap, mid cap, and flexi cap funds for balanced growth and risk.
Equity Funds
Large Cap Funds: Stable growth with lower risk.
Mid Cap Funds: Higher growth potential with moderate risk.
Flexi Cap Funds: Diversified across market caps for balanced risk and return.
Equity Investments
Direct Equity
Recommendation: Continue holding, but regularly review and rebalance.
Diversification: Invest in a mix of sectors to reduce risk.
Fixed Deposits
Re-evaluation
Returns: Lower returns compared to mutual funds and equity.
Recommendation: Consider shifting a portion to debt mutual funds for better returns and tax efficiency.
Monthly Investment Plan
Additional Investment
Recommendation: Invest a portion of your monthly income to boost your corpus.
SIP in Equity Funds: Allocate a portion to SIPs for regular and disciplined investing.
Example Monthly Allocation
Equity Mutual Funds: Rs 50,000
Debt Mutual Funds: Rs 20,000
PPF/Other Savings: Rs 30,000
Tax Efficiency
Long-Term Capital Gains Tax
Equity Funds: Gains taxed at 10% for holdings above Rs 1 lakh per year.
Debt Funds: Taxed at 20% with indexation benefits after 3 years.
Emergency Fund
Importance
Liquidity: Maintain a separate emergency fund.
Security: Provides financial security for unforeseen expenses.
Regular Portfolio Review
Monitoring
Review Frequency: Quarterly or bi-annual reviews.
Adjustments: Rebalance based on performance and market conditions.
Professional Guidance
Certified Financial Planner (CFP)
Recommendation: Consult a CFP for personalized advice and management.
Benefits: Professional guidance ensures alignment with your financial goals.
Final Insights
To achieve your goal of Rs 5 crores by age 50, follow these steps:

Continue SIPs in diversified equity mutual funds.
Review and rebalance your direct equity investments.
Consider shifting a portion of fixed deposits to debt mutual funds.
Invest a portion of your monthly income regularly.
Maintain an emergency fund.
Consult a Certified Financial Planner for personalized advice.
With disciplined investing and regular review, you can achieve your financial goal.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6592 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 25, 2024

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have mutual fund of 1cr and equity of 60 lacs Fd of 35 lacs,pf 18.5 lac income of amount 1lacs per month my age 40.At 50 age I need 5 cr.please suggest
Ans: Let’s evaluate your current financial situation and create a plan to achieve your goal of Rs 5 crore by age 50.

Current Financial Overview
Mutual Funds: Rs 1 crore

Equity: Rs 60 lakh

Fixed Deposits (FD): Rs 35 lakh

Provident Fund (PF): Rs 18.5 lakh

Monthly Income: Rs 1 lakh

Investment Goal
Target Amount: Rs 5 crore

Time Horizon: 10 years

Assessing Current Portfolio
1. Mutual Funds:

You have a substantial investment in mutual funds.

Ensure a mix of equity and debt funds for balanced growth.

2. Equity Investments:

Diversify across sectors and industries.

Invest in fundamentally strong companies.

3. Fixed Deposits:

Low-risk and stable returns.

Reinvest the interest for compounding benefits.

4. Provident Fund:

Provides safe and tax-efficient returns.
Recommendations to Achieve Rs 5 Crore
1. Enhance Equity Investments:

Increase your equity exposure for higher returns.

Focus on large-cap and mid-cap stocks.

Regularly review and adjust your portfolio.

2. SIP in Mutual Funds:

Invest in actively managed funds through SIPs.

Choose funds with a strong track record and experienced managers.

Regular SIPs can help in rupee cost averaging.

3. Diversify Mutual Funds:

Include a mix of large-cap, mid-cap, and sectoral funds.

Diversification reduces risk and enhances returns.

4. Reinvest Fixed Deposit Interest:

Reinvest the interest from FDs to maximize growth.

Consider breaking FDs into smaller amounts for better liquidity.

5. Monitor and Rebalance Portfolio:

Regularly review your investment performance.

Rebalance your portfolio to align with your goals.

6. Increase Monthly Investments:

Save and invest a portion of your monthly income.

Consider increasing your SIP amounts annually.

7. Avoid Direct Funds:

Direct funds lack professional guidance.

Regular funds through MFDs offer better insights and management.

8. Avoid Index Funds:

Index funds are passive and may not meet your growth targets.

Actively managed funds aim to outperform the market.

Risk Management
1. Insurance Coverage:

Ensure adequate life and health insurance.

Protects your family and financial goals.

2. Emergency Fund:

Maintain a separate emergency fund.

Covers unexpected expenses without disrupting investments.

Tax Planning
1. Utilize Tax Benefits:

Invest in tax-saving instruments like ELSS.

Maximize benefits under Section 80C and 80D.

2. Efficient Withdrawal Strategy:

Plan withdrawals from investments to minimize tax liability.
Final Insights
To reach Rs 5 crore in 10 years, enhance equity investments, diversify mutual funds, and increase SIP amounts. Regularly review and rebalance your portfolio. Avoid direct funds and index funds. Utilize tax-saving options and maintain adequate insurance coverage.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

..Read more

Latest Questions
Milind

Milind Vadjikar  |396 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Oct 14, 2024

Asked by Anonymous - Oct 12, 2024Hindi
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Hello Sir, I'm 44 years of age and want to plan for creating a corpus of 5 Cr by age of 60. I have 40L lying in savings which I want to invest in MFs and start with Monthly SIP as well apart from this. At 60 I'm looking to start a SWP, in regards to this could you please suggest which MFs should I invest in to achieve this goal and how should I diversify SIP and lumpsum investments? Thank you!!
Ans: Hello;

Please deploy the 40 L staggered over 6 months in pure equity mutual funds.

Also start a monthly sip of 40 K for 16 years.

You may allocate sip and lumpsum as follows:
1. Flexicap type mutual fund for eg. PPFAS flexicap fund[G] (25%)

2. Large and Midcap type mutual fund for eg. Kotak equity opportunities fund[G] (25%)

3. Midcap type mutual fund for eg. Nippon India Growth fund[G] (25%)

4. Smallcap type mutual fund for eg SBI small cap fund [G] (12.5%)

5. Thematic type mutual fund for eg Tata Digital fund[G] (12.5%)

Funds recommended are in top quartile in terms of performance in their respective category.

Both sip and lumpsum investments will yield you a corpus of 5 Cr+, 16 years from now, as desired.

After 55 you need to transfer your gains to liquid or ultra short duration debt funds to protect it against market volatility.

After retirement you move your corpus to conservative hybrid debt type mutual fund for eg. Kotak debt hybrid fund and do an SWP at the rate of 3% annually you may expect a monthly income of 1.25 L(pre-tax).

Happy Investing!!

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

...Read more

Ravi

Ravi Mittal  |352 Answers  |Ask -

Dating, Relationships Expert - Answered on Oct 14, 2024

Relationship
Hello, I m 21 female I m in a long distance relationship with 32 year male.this person was behind me and always asked me to give him a chance to prove his love for me. At that period i was afaird of relationships as I didn't have courage to go against wish of my parents as i know they wolud never agree for love marriage,so that is fir sure i'll do arrange Marriage. All these things have been explained by my side to this person.He gad feelings for me thats what he showed to me even I felt a connection towards him, so we decided let's not commit anything anout marraige as we both wee not sure about these thing. After some time i realised these person has already made his mind ki he'll date me and he wanted to have everything that an relationship has but he will not marry me.But i m completely in love with.Even i told him about it ki I can't share him n won't be able to see him.with someone else.i just can't imagine myself without him. I fought with him even begged and cried but he always defend his self sayi g i told already ki he loves me and will keep loving me but will not marry me . He vists me after 6-9 months interval every time he visuts me he needs to have physical relationship. I don't know whether I m right or wrong but i feel like I m being used by him. I tried several time to end this relationship but i end up chasing him.Plz help me,guide me
Ans: Dear Rutuja,
If you have the slightest feeling that he doesn't share the same feelings for you as you do for him, or that he has wrong intentions, you have every right to end the relationship. In fact, that would be the right thing to do. I understand that it is difficult to break up with someone you love, but does he love you? Don't you think you deserve someone who loves you and does not make you feel as if you are being used?

Have a clear conversation with him- address all your concerns. If he still maintains his stand of not getting married to you, then let him know that you are not on the same page as him. Remember, for a relationship to work, your future goals need to align.

Best Wishes.

...Read more

Ravi

Ravi Mittal  |352 Answers  |Ask -

Dating, Relationships Expert - Answered on Oct 14, 2024

Asked by Anonymous - Oct 10, 2024
Relationship
I am a girl who met a muy in a friendly chat app and been talking to him through text and calls since the past 6 months...he told me about his past 3 breakups which were online too and he didnt meet those girls.He told he loved my nature and loves me madly n cannot live without me..i was moving with him as a friend initially,but feeling turned into love gradually..he lied to me about his name too n i found many a times flirting and chatting with other girls.Still i have forgiven as he is my first love. Recently,I met with an accident and was in a serious condition ..my phone was with my relative and she told him about my condition when he put a message to me.He even asked my relatives about the hospital address n my relative has given it. He didn't turn up and was chatting online with other girls till early morning n continued later too by chatting n cracking jokes when i was in such a serious condition.A friend of mine told me about this. When i confronted him after my discharge,he told my relative didnt give the response which is a lie ..as the proof chatting with other girls is there..n later he didnt even text to know how am i for 2days.. I am an emotional girl ,attaching n detaching is a bit difficult thing...i am broken ..when he didnt love me ..what made him use the words like he cannot live without me n will marry me. He asked for a chance,i am fed up of his lies..i made him introduce to my parents also..When i am so true to him..why does he need to chat n flirt with other girls?..even after knowing my condition instead of meeting me..he was chatting.. We still didnt meet,thought of meeting n met with an accident Does he deserve an other chance or should i leave him,please suggest mam.Why is he doing so?.I even helped him small amounts financially too when he asked for.
Ans: Dear Anonymous,
I am very concerned about the last part of your question where you mentioned helping him financially. We ask all our dating app users not to discuss money let alone involve in a financial transaction with an online match. It gives me the impression that he might have been pursuing the relationship with you for monetary benefits; I am not saying that with surety but there is always a chance of that happening.

And now let's address your main concern- if you should give him another chance. I cannot decide that for you but let me ask you one thing- do you think you deserve to be with a person who did not care that you were in a critical condition and continued flirting with others? Even if we keep your accident aside, do you think it is a healthy relationship where one partner keeps flirting with people outside the relationship? I don't think so.

Please make the right choice and don't focus on momentary happiness, think about how this relationship will affect your future.

Best Wishes.

...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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