Home > Money > Question
Need Expert Advice?Our Gurus Can Help

47, Married, 2 Kids, 25 Lakhs: Can I reach 2 Cr corpus by 55?

Ramalingam

Ramalingam Kalirajan  |6903 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 24, 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
Vinod Question by Vinod on Jul 16, 2024Hindi
Listen
Money

Sir i am 47 now married and 2 children one is 7 years daughter and 13 years son. I have 25 lakhs as corpus and my monthly salary is around 1.5 lakhs. I need at least 2 cr as corpus at 55. How can make this happen. Please.

Ans: You are 47, married, with two children, aged 7 and 13.

You have a corpus of Rs 25 lakhs.

Your monthly salary is around Rs 1.5 lakhs.

You aim to accumulate Rs 2 crores by age 55.

Setting Clear Financial Goals

Identify specific goals for each financial milestone.

Prioritize your children's education and your retirement.

Allocate funds accordingly to ensure balanced growth.

Investment Strategy

Invest regularly in a diversified portfolio.

Focus on equity mutual funds for higher returns.

Allocate some funds to debt mutual funds for stability.

Consider investing in gold for diversification.

Keep a small portion in fixed deposits for safety.

Systematic Investment Plan (SIP)

Start or increase your SIP contributions.

SIPs offer disciplined investing and rupee cost averaging.

Allocate a higher percentage to equity funds for growth.

Choose actively managed funds over index funds for better returns.

Review and Adjust Portfolio Regularly

Review your investments every six months.

Adjust your portfolio based on market conditions.

Consult a Certified Financial Planner (CFP) for professional advice.

Stay informed about market trends and economic changes.

Emergency Fund and Insurance

Maintain an emergency fund equal to 6 months of expenses.

Ensure you have adequate health and life insurance coverage.

Avoid investment-linked insurance policies.

Focus on pure term insurance for life coverage.

Tax Planning

Invest in tax-saving instruments under Section 80C.

Utilize other sections like 80D for health insurance benefits.

Plan your taxes to maximize returns and minimize liabilities.

Avoid Common Investment Mistakes

Do not chase high returns without understanding the risk.

Avoid frequent buying and selling of investments.

Stick to your investment plan and be patient.

Education and Retirement Planning

Plan for your children's higher education.

Consider education loans to avoid depleting your corpus.

Ensure your retirement corpus is inflation-adjusted.

Review your retirement plan annually.

Benefits of Regular Funds through a CFP

Regular funds offer better advisory support.

Certified Financial Planners provide tailored advice.

Actively managed funds often outperform index funds.

Contingency Planning

Have a plan for unforeseen circumstances.

Ensure your family is financially secure in case of emergencies.

Consider estate planning and writing a will.

Final Insights

Stay disciplined and focused on your goals.

Review and adjust your investments regularly.

Seek professional advice when needed.

Stay informed and educated about financial planning.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
Asked on - Jul 24, 2024 | Answered on Jul 25, 2024
Listen
Can you help me in achieving this goal!!
Ans: I appreciate your trust and willingness to connect.
Let's embark on this financial journey together.
You can reach me through my website mentioned below.
This platform has restrictions on sharing personal contact. Hope you understand.

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.
Money

You may like to see similar questions and answers below

Ramalingam

Ramalingam Kalirajan  |6903 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 03, 2024

Asked by Anonymous - Jun 02, 2024Hindi
Money
I am 57 years . I have 1 cr corpus. How can I get 1 lakh per month.
Ans: Having a corpus of Rs 1 crore at 57 years is commendable. Your goal of obtaining Rs 1 lakh per month is ambitious. Let's explore how to achieve this sustainably.

Evaluating Your Financial Goals
Generating Rs 1 lakh per month from Rs 1 crore corpus translates to Rs 12 lakhs annually. This requires careful planning. Balancing growth and income generation while preserving capital is essential.

Understanding Withdrawal Rates
A withdrawal rate of 4-5% per year is generally considered sustainable. With Rs 1 crore, this amounts to Rs 4-5 lakhs annually, significantly less than your target. Achieving Rs 12 lakhs annually requires a higher return or drawing down your principal, which can be risky.

Investment Strategies for Monthly Income
Systematic Withdrawal Plan (SWP): This allows you to withdraw a fixed amount regularly from your mutual fund investments. It provides a steady income while keeping the remaining corpus invested for growth.

Balanced Portfolio: Invest in a mix of equity, debt, and hybrid funds. Equities offer growth, while debt provides stability and regular interest income.

Debt Instruments: Consider investments in fixed deposits, bonds, and debt mutual funds. These provide stable returns and can be a reliable source of income.

Dividend-paying Stocks and Funds: Invest in stocks and mutual funds that pay regular dividends. This provides a steady income stream, though dividends can fluctuate based on company performance.

Senior Citizen Savings Scheme (SCSS): This government-backed scheme offers regular interest payments and is a safe investment for senior citizens.

Monthly Income Plans (MIPs): These are mutual funds designed to provide regular income. They invest in both equity and debt, aiming for stability and moderate returns.

Managing Risks
Diversification is crucial. Spread your investments across different asset classes to reduce risk. Ensure a portion of your corpus is in low-risk investments to protect against market volatility. Regularly review and rebalance your portfolio based on performance and changing market conditions.

Role of Actively Managed Funds
Actively managed funds can outperform the market due to professional management. Fund managers adjust portfolios based on market conditions and aim for higher returns. This can help achieve your income goals. Although they have higher fees than index funds, the potential for better returns justifies the cost.

Benefits of Investing Through a Certified Financial Planner
A Certified Financial Planner (CFP) can provide tailored advice and expertise. They can help design an investment strategy aligned with your goals, risk tolerance, and financial situation. Investing through a CFP, even with regular funds, offers the advantage of professional guidance, portfolio management, and strategic adjustments. This is more beneficial than the lower cost of direct funds, which lack personalized advice.

Practical Steps to Generate Monthly Income
Determine Monthly Needs: Start by understanding your monthly expenses and essential needs. This will help in planning your withdrawals and investments.

Set Up SWP: Establish a Systematic Withdrawal Plan from your mutual fund investments. This ensures a regular income while allowing the remaining corpus to grow.

Invest in Diversified Assets: Allocate your corpus across equity, debt, and hybrid funds. This balances growth potential and stability.

Include Safe Investments: Invest in low-risk instruments like SCSS, fixed deposits, and bonds. These provide regular income and capital protection.

Monitor and Adjust: Regularly review your investment performance. Adjust your portfolio based on market conditions and personal financial needs.

Importance of Regular Review
Regular monitoring of your portfolio is essential. This helps in making timely adjustments to align with your financial goals and market conditions. Consulting with your CFP periodically ensures that your investment strategy remains effective and up-to-date.

Protecting Against Inflation
Inflation reduces purchasing power over time. Ensure your investments can outpace inflation. Equities and equity-oriented funds are good options for long-term growth and inflation protection. A balanced approach helps maintain the real value of your corpus.

Health and Life Insurance
Adequate health and life insurance coverage is crucial. This protects against unforeseen medical expenses and provides financial security for your dependents. Regularly review and update your policies as needed.

Conclusion
Achieving Rs 1 lakh per month from a Rs 1 crore corpus is challenging but possible with a strategic approach. Diversify your investments, use systematic withdrawal plans, and include low-risk instruments. Regularly review and adjust your portfolio with the help of a Certified Financial Planner. This balanced strategy will help you achieve your income goals while preserving your capital.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6903 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 01, 2024

Money
Hi Myself Ramesh, I earn around 1.6 Lac monthly aged 43. Don't have own house and have 2 children 15 and 7. I have 20k SIP in MF, 25 K in 3 various ULIP Plan. Pls suggest how do I create corpus of 5 Crore by age of 60. Consider income increase around 6% for 10 years.
Ans: Hi Ramesh, your goal to create a corpus of Rs. 5 crores by the age of 60 is ambitious yet achievable with proper planning. At 43 years old, earning Rs. 1.6 lakhs per month, you already have a good foundation. Your monthly investments include Rs. 20,000 in SIPs and Rs. 25,000 in ULIP plans. You also expect your income to increase by around 6% annually for the next 10 years, which is a positive factor.

Setting Financial Goals
Short-Term Goals
Emergency Fund: Ensure you have an emergency fund that covers at least 6-12 months of expenses. This should be kept in a highly liquid form like a savings account or short-term fixed deposit.

Insurance Coverage: Adequate life and health insurance are crucial to protect your family from unforeseen events. Ensure you have a term insurance plan and a comprehensive health insurance policy.

Long-Term Goals
Children’s Education: Planning for your children's education expenses is critical. Your elder child will need funds for higher education soon, and the younger one in the next 10 years.

Retirement Corpus: The primary goal is to build a retirement corpus of Rs. 5 crores by the age of 60.

Evaluating Current Investments
Systematic Investment Plan (SIP)
You are investing Rs. 20,000 per month in mutual funds through SIPs. This is a good strategy for long-term wealth creation. SIPs benefit from rupee cost averaging and the power of compounding.

Unit Linked Insurance Plans (ULIPs)
You have Rs. 25,000 per month in various ULIPs. While ULIPs offer both insurance and investment, they often come with higher charges and lower returns compared to mutual funds. It might be beneficial to surrender these ULIPs and redirect the funds to more efficient investment vehicles like mutual funds.

Creating an Optimized Investment Plan
Redirecting ULIP Investments
Consider surrendering your ULIPs and investing the proceeds in mutual funds. Mutual funds typically offer better returns and flexibility compared to ULIPs. Consulting with a Certified Financial Planner (CFP) can help you transition smoothly.

Increasing SIP Contributions
With an expected income increase of 6% annually, you can gradually increase your SIP contributions. Start by increasing your SIP amount each year to align with your income growth. This disciplined approach will help in achieving your long-term goals.

Diversification of Investments
Equity Mutual Funds
Equity mutual funds should form the core of your investment portfolio. They offer high growth potential over the long term. Given your time horizon of 17 years, a significant portion of your investments can be in equity funds.

Debt Mutual Funds
Including debt mutual funds in your portfolio can provide stability and reduce overall risk. Debt funds invest in fixed-income securities and are less volatile compared to equity funds.

Gold Investments
A small allocation to gold can act as a hedge against inflation and market volatility. You can consider gold ETFs or sovereign gold bonds for this purpose.

International Mutual Funds
Diversifying your investments internationally can provide exposure to global markets and reduce country-specific risks. International mutual funds can be a good addition to your portfolio.

Systematic Investment Plan (SIP) Strategy
Implementing a SIP strategy for different types of mutual funds can help in building a diversified portfolio. Allocate a higher percentage to equity funds and the rest to debt and gold funds. Regularly review and adjust your SIP contributions to align with your financial goals.

Planning for Children’s Education
Estimating Education Costs
Estimate the future costs of your children’s education, considering inflation. Education expenses can be significant, and planning early will ensure you have sufficient funds when needed.

Education Savings Plan
Create a dedicated education savings plan. You can use a combination of equity and debt mutual funds to build this corpus. Start a separate SIP specifically for your children's education.

Building a Retirement Corpus
Power of Compounding
Starting early and investing regularly allows you to benefit from the power of compounding. Your investments will grow exponentially over time, helping you achieve your retirement goal.

Regular Review and Rebalancing
Periodically review your investment portfolio to ensure it aligns with your financial goals and risk tolerance. Rebalancing involves adjusting your asset allocation to maintain the desired balance, optimizing returns, and managing risk.

Active Management
Actively managed funds, overseen by a CFP, can potentially deliver higher returns compared to passive index funds. They offer flexibility to respond to market changes and capitalize on opportunities.

Tax Efficiency in Investments
Tax Planning
Effective tax planning can enhance your investment returns. Utilize tax-saving instruments such as Equity Linked Savings Scheme (ELSS) to reduce your taxable income while investing for long-term goals.

Capital Gains Management
Understanding the tax implications of capital gains is essential. Long-term capital gains from equity investments are taxed differently from short-term gains. Plan your investments and withdrawals to minimize tax liability.

Role of a Certified Financial Planner
Professional Guidance
A CFP can provide personalized advice, helping you create a comprehensive financial plan. They offer expertise in investment management, tax planning, and retirement strategies, ensuring your financial goals are met.

Regular Monitoring
A CFP regularly monitors your investments, making adjustments based on market conditions and life changes. This proactive approach helps in optimizing returns and managing risks effectively.

Building a Disciplined Investment Approach
Setting Clear Goals
Define clear financial goals with timelines. This provides direction and helps in selecting appropriate investment vehicles to achieve these goals.

Consistent Savings and Investing
Consistently save and invest a significant portion of your income. This discipline is crucial for building wealth over time. Automate your investments to ensure regular contributions.

Financial Education
Continuously educate yourself about personal finance and investments. Staying informed empowers you to make better financial decisions and adapt to changing market conditions.

Final Insights
Ramesh, your goal to accumulate Rs. 5 crores by the age of 60 is ambitious but achievable with a disciplined and strategic approach. Start by setting a strong foundation with an emergency fund and adequate insurance coverage.

Consider surrendering your ULIPs and redirecting the funds to mutual funds. Increase your SIP contributions gradually to align with your income growth. Diversify your investments across equity, debt, gold, and international markets.

Implement a SIP strategy for different types of mutual funds and regularly review and rebalance your portfolio. Effective tax planning and capital gains management can further enhance your returns. Seek guidance from a Certified Financial Planner to create and monitor a comprehensive financial plan.

Your commitment to your financial goals and willingness to adapt your strategy will help you achieve a comfortable and secure retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6903 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 30, 2024

Listen
Money
Hello Sir, I am 55 running. Running small Engineering Unit. Wife 50 working in Pvt Ltd Company. We both earn Rs 1.5 Lacs a month. I have loan on my unit worth Rs 1.3 Lacs per month till 2025. I have MF 1.3Cr, PPF 53L , FDs 30 L, HDFC policy 31L getting matured in 2027. Expenses daughter is MDS in 2nd year. yearly fees 15 L, Son in 3rd year B'tech fr NIT. Would like to have 5 cr at the age 60, Pl guide....
Ans: Understanding Your Financial Goals
Age: 55
Wife's Age: 50
Combined Monthly Income: Rs 1.5 lakh
Monthly Loan EMI: Rs 1.3 lakh until 2025
Children: Daughter in MDS (fees Rs 15 lakh/year), Son in 3rd year B'Tech at NIT
Current Investments
Mutual Funds: Rs 1.3 crore
PPF: Rs 53 lakh
Fixed Deposits (FDs): Rs 30 lakh
HDFC Policy: Rs 31 lakh (maturing in 2027)
Financial Goals
Retirement Corpus: Rs 5 crore by age 60
Investment Strategy
Increasing Mutual Fund Contributions
Continue SIPs: Keep investing in mutual funds for growth.
Focus on Actively Managed Funds: These can provide better returns than index funds.
Diversify: Invest in large-cap, mid-cap, and balanced funds for stability and growth.
Enhancing Fixed Deposits
Reinvest Maturing FDs: Put maturing FDs into higher-yield debt funds.
Avoid Long-Term Lock-in: Keep some funds in short-term FDs for liquidity.
Maximizing PPF
Annual Contributions: Maximize your PPF contributions for tax-free returns.
PPF Maturity: Align PPF maturity with your retirement goals.
Utilizing HDFC Policy
Hold Till Maturity: Let the policy mature in 2027 to receive Rs 31 lakh.
Reinvest Proceeds: Reinvest the maturity amount into mutual funds or debt funds for growth.
Loan Repayment Strategy
Pay Off Loan: Focus on repaying your loan by 2025.
Free Up Income: Post-loan, redirect Rs 1.3 lakh EMI into investments.
Children's Education
Daughter’s MDS Fees: Continue to pay Rs 15 lakh/year until completion.
Son’s Education: Ensure funds are available for his B'Tech completion.
Insurance and Safety Nets
Life Insurance
Term Insurance: Ensure you have adequate term insurance.
Policy Review: Reevaluate your HDFC policy upon maturity.
Health Insurance
Adequate Coverage: Ensure comprehensive health insurance for your family.
Regular vs Direct Mutual Funds
Disadvantages of Direct Funds
Complex Management: Requires significant time and expertise.
Risk of Mistakes: Higher risk without professional guidance.
Benefits of Regular Funds
Professional Guidance: Managed by Certified Financial Planners (CFPs).
Easier Management: Less time-consuming and easier to track.
Final Insights
Stay Focused: Keep your retirement goal of Rs 5 crore in mind.
Regular Reviews: Periodically review your investments and adjust as needed.
Disciplined Saving: Stay disciplined with your savings and investments.
Emergency Fund: Maintain an emergency fund for unforeseen expenses.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6903 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 13, 2024

Money
hello sir, I am 51 years, I have a corpus of 1cr in mutual funds , 5 lacs in PPF , my PF is 25 lacs, KVP 10 lacs, monthly sip in mutual funds is 27000, daughter is employed and have set a side 40 lacs for her marriage , my son is still studies in Bcom hrs . 3rd years. have an agricultural land of worth 1 crores . Have three flats worth , 25 lacs 40 lacs and 80 lacs and the one i am living in is 20 lacs. I want to generate a corpus of 5cr at the age of 60. Apart from this I want to generte an extra income of around 1 lacs per month. from the age of 55. Prsently my income is 1lacs per month.
Ans: At 51, you have built a significant corpus. You’ve invested wisely in mutual funds, PPF, PF, KVP, and real estate. Your current situation includes:

Mutual Funds: Rs 1 crore, which is a substantial investment.

PPF: Rs 5 lakhs, a secure, tax-saving investment.

Provident Fund: Rs 25 lakhs, a reliable source of retirement income.

Kisan Vikas Patra (KVP): Rs 10 lakhs, providing safe and guaranteed returns.

Real Estate: Three flats worth Rs 25 lakhs, Rs 40 lakhs, and Rs 80 lakhs. Plus, the one you live in is worth Rs 20 lakhs.

Agricultural Land: Worth Rs 1 crore, a valuable asset.

You’ve also set aside Rs 40 lakhs for your daughter’s marriage, which is prudent planning. Your son is in his final year of B.Com, so his education is almost complete.

Assessment of Your Financial Goals
You have two main financial goals:

Building a Corpus of Rs 5 Crores by Age 60: This is your retirement goal.

Generating an Extra Income of Rs 1 Lakh per Month from Age 55: This will supplement your retirement.

Evaluating Your Investment Strategy
To achieve your goals, we need to assess and possibly enhance your current investment strategy.

Increasing Your SIP Contributions
Your current SIP of Rs 27,000 per month is good, but you may need to increase this amount to reach your Rs 5 crore target. Consider raising your SIP to Rs 50,000 or more. This will give your portfolio the boost it needs over the next 9 years.

Focus on Actively Managed Funds
It’s crucial to focus on actively managed mutual funds rather than index funds. Actively managed funds have the potential to outperform the market, especially over a long period. These funds are managed by experienced professionals who can make strategic decisions to maximize returns.

Review Your Asset Allocation
Your current allocation includes mutual funds, PPF, PF, KVP, and real estate. While these are good, it’s important to ensure your portfolio is well-diversified and aligned with your risk profile.

Equity Funds: Continue with your mutual fund investments, but ensure you are diversified across large-cap, mid-cap, and flexi-cap funds. This will balance risk and return.

Debt Funds: As you approach retirement, gradually increase your exposure to debt funds. These funds are less volatile and provide steady returns, which is essential for preserving capital as you near retirement.

Avoid Direct Funds: Direct funds may seem cost-effective, but regular funds offer the advantage of professional advice. Certified Financial Planners can guide you in selecting the best funds, tailored to your goals.

Consider Hybrid Funds
Hybrid funds, which invest in both equity and debt, can provide a balanced approach. They offer moderate growth with reduced risk, making them ideal as you get closer to retirement.

Generating an Extra Income of Rs 1 Lakh Per Month
To generate Rs 1 lakh per month from age 55, you need to create a reliable income stream.

Systematic Withdrawal Plans (SWPs)
SWPs from your mutual fund investments can provide a steady monthly income. This allows you to withdraw a fixed amount regularly, while the remaining investment continues to grow.

Dividend-Paying Mutual Funds
Consider investing in dividend-paying mutual funds. These funds distribute dividends regularly, providing you with an additional income stream. However, remember that dividends are subject to market performance and are not guaranteed.

Fixed Deposits and Debt Instruments
You can also consider placing a portion of your corpus in fixed deposits or debt instruments that provide regular interest income. While these offer lower returns, they are secure and can provide a steady income.

Tax Efficiency
As you plan for retirement, it’s important to keep tax efficiency in mind.

Long-Term Capital Gains (LTCG) Tax: Ensure your equity investments are held for more than one year to benefit from LTCG tax advantages.

Tax-Efficient Withdrawals: Plan your withdrawals in a tax-efficient manner. For example, SWPs are generally more tax-efficient than lump-sum withdrawals.

Managing Your Real Estate Assets
Your real estate assets are valuable, but they may not generate significant income unless sold or rented out. Since you’re not looking to invest further in real estate, consider the following:

Rent Out Your Flats: If you haven’t already, renting out your flats can provide additional monthly income. This income can be reinvested or saved for future needs.

Diversify Away from Real Estate: As you approach retirement, consider selling one or more properties. The proceeds can be reinvested in more liquid and income-generating assets like mutual funds or debt instruments.

Final Insights
You’ve done an excellent job of building a strong financial foundation. To reach your Rs 5 crore goal and generate Rs 1 lakh monthly income, consider increasing your SIP contributions, focusing on actively managed funds, and exploring hybrid and debt funds. Additionally, create a reliable income stream through SWPs, dividend-paying funds, and fixed deposits.

Keep in mind the importance of tax efficiency and gradually shift your focus from growth to capital preservation as you approach retirement. Regular reviews with a Certified Financial Planner will help you stay on track and adjust your strategy as needed.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Kanchan

Kanchan Rai  |387 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 03, 2024

Asked by Anonymous - Nov 01, 2024Hindi
Listen
Relationship
I am 45 years old female, single child, I fell in love wid a guy during college, he is short tempered other than that when hez ok he used to care me so so so much. We got married when i was jobless and when he just started a business. The business isnt going tht well and after having two kids i started realising he is not at all ready to take any responsibilities, always he is lazy once he reach home and i am working and i am the one who has to do evry work along with work. When we fight he doesnt do any physical Abuse but mentallyy he abuses me so much that i feel myself useless. My parents too started saying that they never saw us happily instead we are always fighting and we are never at peace. I really was never able to understand him. I feel he has too much ego and wanna win every fight. He too says the same about me, but i am the one who goes and solves most of our fights by begging him badly. I decided to divorce him frm last one year but never had the guts tu say it to him openly. Was very afraid. Recently i met a guy, he have been noticing me for so long, we became friends first, very quickly he became my best friend, i have never in my life been able to read someones mind so well, so i am Able to take care of him so well, similarly never in my life i was respected so much for everything i do, or never was i cared so much. My own husband doesnt know what all i like, but this bestie knows. Slowly slowly we fell in love. I have confirmed my thought about divorce, and my Husband instead of even clutching on to me He is saying you just go i dont wanna beg you to stay for me. I dont wanna beg to a girl like you. He is very kind and soft outside only inside my house to me he is very very arrogant and fighting. Once i make this divorce decision public everyone will blame me, everyone will point out me as culprit, but i dont wanna continue anymore, i am done with this. What shall i do now ??
Ans: It seems like you’ve reached a point where you’re ready to prioritize yourself, which is a powerful realization. Divorce is a big step, and the fear of judgment from others is understandable, but your well-being and peace of mind should come first. In situations like this, people often rush to judge, especially if they don’t see the full picture, but those who care about you will come to understand and support your decision over time.

The love and respect you’ve found with your friend have likely shown you what’s been missing in your marriage: appreciation, understanding, and care. This relationship seems to have opened your eyes to what you deserve and given you the strength to take action. Still, take things slowly to make sure your next steps are about building the future you want rather than escaping the past.

If you haven’t already, consider speaking with a counselor or therapist who can provide you with support and guidance through this transition. They can help you work through any lingering guilt or fear and navigate the practical and emotional complexities of divorce. Having a supportive, nonjudgmental space to process everything will make a difference as you take steps toward a healthier and happier life.

Ultimately, if your heart is set on ending this marriage, trust that decision and give yourself permission to move forward. It will be hard at first, but taking this step toward self-respect and peace is worth it, even if others don’t immediately understand. You deserve a life filled with love, respect, and joy—don’t let fear of judgment hold you back from finding it.

...Read more

Kanchan

Kanchan Rai  |387 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 03, 2024

Listen
Relationship
I am married for 5years with 2kids.. i am an employee and had to stay 100kms away from my native place on work purpose.. I opted to take my kids along as they are too small(3+ and 1+).. I asked my husband to accompany me as he is unemployed and staying at home.. But he refused and likes to stay with his mother.. He has a brother to look after his mother and his married sister also stays very near to them.. I sometimes feel very stressed out to handle my job and look after my kids.. i have no support from my husband neither emotionally nor financially.. i tried everything possible but he just talks about my earnings not wt i am going through.. wt i should do?
Ans: In a partnership, mutual support and shared responsibilities are essential, and it’s natural to feel frustrated and even resentful if your husband is prioritizing his comfort over your needs and well-being. Since he’s not providing emotional or financial support, it might be time to set some boundaries and expectations to protect your own peace and ensure you’re not carrying everything alone.

Start by calmly sharing how this situation affects you—not just financially but emotionally and physically. Emphasize that while you understand his desire to stay close to his family, your situation is not sustainable, and you need him to step up. You might also consider counseling, either together or on your own, to find ways to cope with your stress and explore solutions to address this imbalance in your relationship.

If he’s unwilling to make changes or support you even after open conversations, it may be necessary to think about your long-term well-being and that of your children. Your strength and resilience in handling so much on your own are admirable, but you also deserve a partner who is invested in your happiness and shares the load.

In the meantime, is there any possibility of support from family, friends, or childcare services near your work location? Having some practical help, even temporarily, could relieve some of your stress and allow you to focus on what’s best for you and your children going forward. Remember, you are not alone, and reaching out to build a support network can make a world of difference in helping you navigate this challenging time.

...Read more

Kanchan

Kanchan Rai  |387 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 03, 2024

Asked by Anonymous - Oct 03, 2024Hindi
Listen
Relationship
Madam am working women of age 28 working for past 5 years , I am in living relationship with my boyfriend who is 38 now. I want to do marriage and settle now but my partner doesn't feel necessary to do marriage and if I force he is telling he will do court marriage which am not interested to do. He is not ready to meet or convince my parents for marriage . I have given him money for buying a property which I was least interested. He started controlling all my finances which I felt incorrect so I questioned him which made his ego hurt and he has hit me twice. My parents are now telling me to get married but I don't know what to do. Sometimes when he ia not around I tried talking to other guys in dating app which afterwards am feeling guilty for cheating him. Nowadays I lost interest in everything I don't have courage to end my life so not able to concentrate on my work. Please tell me what I need to do to correct my path as it's getting hell day by day.
Ans: Right now, it might be helpful to take a step back from the relationship to regain your sense of self and control over your life. Talking to a trusted friend, family member, or even a counselor could help you find clarity, and having a support system can make it easier to make decisions that protect your well-being.

It’s understandable that you feel torn, especially since you’ve invested years and finances into this relationship. But it’s important to remember that you deserve a relationship where you feel valued, safe, and equal. The feelings of guilt about talking to others on dating apps are natural, but they’re also a sign that you might be searching for connection and respect that you’re not receiving in your current relationship.

Consider reclaiming control over your finances immediately. Seek guidance on how to separate your financial dealings from him, as it’s essential for you to be able to support and manage yourself independently. Ending this relationship might be difficult, but it could also give you the freedom to rebuild your confidence, focus on your goals, and find the stability and respect you deserve.

It’s clear that you’re strong enough to make changes; the courage you’ve shown in questioning his control and sharing your story here is proof. With the support of loved ones and professionals, you can find a way out of this painful situation and start building a life that brings you peace and happiness.

...Read more

Kanchan

Kanchan Rai  |387 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 03, 2024

Asked by Anonymous - Nov 01, 2024Hindi
Listen
Relationship
Hii, my husband and I have a love marriage after 9 years of dating, now it has been 6 years and two children after that, little one is 8months old. He had a brief affair extending to chatting mostly as far as I know to someone who works in the same company but different department to him when my little one was 1 month old, we were in rough patch that time due to child birth difficulties and family drama. Then as I got to know about the same, by casually checking his phone and confronted him he accepted his mistake and said sorry. And said he won't be doing that again but I caught him again somehow chatting and same repeat he said he is wrong and now as per him he have reduced talking to that girl. But as I think he talks to her thoda bhot, as she is his junior position and asks for help once a while. I love my husband a lot, but this thing hurt my self respect and I am in a lot of torture mentally. I know my husband won't leave me, but I don't want to stay in such a relationship which feels a burden to my partner. I want my husband to be happy too. I am very confused what to do. I have talked to him on several times, every time he listen and helps me calm down, some times we fought also. But I am not at peace. Ps that girl is also married to her love just 2 years back. I don't want to harm my husband's reputation in any way. But I am very much hurt also. I have been reading your column for 3-4 now. I am also financially independent. I don't need anything form him, just his love. Sorry for the length, please help me.?
Ans: In your heart, it’s clear that you love him deeply and that, ideally, you want to preserve your family and relationship. However, it’s important not to dismiss your own needs for validation, love, and respect. Sometimes, the process of forgiveness includes setting strong, clear boundaries. Your husband needs to understand that while you’re willing to work on the relationship, trust is fragile and requires commitment to restore. This might mean a commitment on his part to keep all communication with this colleague strictly professional and transparent, or even a decision to minimize interactions with her entirely if necessary. Expressing these boundaries clearly may help him see the gravity of what’s at stake.

It’s also valuable to remember that healing from betrayal is not a quick process. Even with reassurances and boundaries in place, your feelings of hurt, betrayal, and anger may surface unexpectedly. Be gentle with yourself in this process and consider turning inward to strengthen your own resilience. Financial independence is an incredible strength, and leaning into the aspects of your life that bring you personal fulfillment can be grounding. Investing in your own well-being will help you feel more centered, no matter where this journey takes you.

If, at any point, you feel that his actions aren’t aligning with his words and that trust cannot be rebuilt, remember that choosing a path that prioritizes your mental peace is not a failure. Some couples also find that a temporary separation helps provide clarity; this doesn’t have to mean ending the relationship but could be a chance to reset, reflect, and decide if you both are truly aligned in your vision for the future.

In the end, what matters most is that you feel respected, valued, and loved in a way that doesn’t compromise your self-worth. This situation is a challenging chapter, but with clarity, boundaries, and professional support, you can find a path that honors both your love for your husband and your own dignity.

...Read more

Anu

Anu Krishna  |1263 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 03, 2024

Asked by Anonymous - Nov 01, 2024
Relationship
Respected Madam, I am a 44 years old unmarried man. I didn't get any girl due to my low income & because I have only bachelor degree, but my younger brother married before 7 years. I have good & emotional bonding with my younger brother's wife (37 years old) in these 7 years. I always tell her all my feelings about depression & loneliness. I tried yoga & meditation. I tried reading books. I tried travelling on tours, but nothing worked. I told my brother's wife nothing is working. To my surprise, she offered me physical relation with her for some days. I immediately told her I love my brother & can't cheat him. She said she also loves my brother & she is not watching it as cheating. According to her, it's a medical cure from her side to get me out from depression. She said she will always love my brother, but as of now, she just wants to see me happy. She said if physical satisfaction will result in my happiness, then she is ready for this. She said medicines will not work in my situation. I have asked her to give me sometime to think about it. I know her from 7 years. She is a good genuine woman. She & my brother has a child. We do flirting with each other sometimes, but never made any such move. Now, you tell what should I do ??
Ans: Dear Anonymous,
Either she is very smart to suggest this OR very silly...you will know it!
Please stay away from it; it will lead to serious complications within the family and also may result in breaking relationships. They have a family; respect it and first thing, stop communicating with her. She seems to have some agenda in mind or is also attracted to you and trying to mask it as HELP to you.
At least you be the smarter one and think! Stay off of this please...

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  |1263 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 03, 2024

Asked by Anonymous - Sep 05, 2024Hindi
Listen
Relationship
Hi, we had a love cum arrange marriage and we are married for 8 years now. My husband works under his rich friend and tells me that it is a partnership in digital advertising but even he knows he has not invested a single rupee and he his job responsibilities also include mere jobs like doing googlepay to watchman to buy groceries or vegetables. I dont feel he has a respectable job nor the stagnant financial income since years. We have one seven year old child and due to societal pressure and also coz of the long gap started to plan for a second child but failing to conceive. I still think if i should stop planning for a second child as I see him struggling with basic necessities of 1 child itself. I dont feel heard, I know he can do well in corporate but he wants to stick to this stagnant growth for his friend. He has zero savings while his friend has crores worth of property. He is just an employee to his friend and he doesnt understand that and gets bought by the fake positions given.
Ans: Dear Anonymous,
What exactly is your question for me? Since you haven't asked me one, I am just going to give you my observations and suggestions.

Your husband is possibly a lazy person OR scared of taking on anything due to fear of failure and is okay being stagnant due to these fears.
Please re-think your decision of having a second child until the time your husband assumes certain responsibilities that bring in steady income. Till your financial position is secure, there's no point in adding any sort of new responsibilities to your lives, right?
As far as what makes your husband do what he is doing, and sticking by his friend; there is not much information that I have...maybe you know this better...ask an elder male member from his family to speak with him and hope things fall in place.

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  |1263 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 03, 2024

Asked by Anonymous - Sep 01, 2024Hindi
Relationship
hi I am a 38 year old guy happily married & have a 7yr old girl. My marriage had been pinch perfect in every sense. My wife is very loving, caring, always with me during crisis be it financial/ medical or emotional & my kid added the remaining stars to my happy life. I had a love marriage with my wife in 2013, we were in same office in 2010 where we met. It wasn't love at first sight, for 6 months we just had normal interaction like normal colleague, it was when she came in my team, we spent more time & fell for each other. Before taking any relationship any further, she enquired a 100 time if I didn't had any girlfriend before ( I didn't) & also confirmed from her that she didn't had any relationship in past. Infact, we started our relationship once we were completely sure that we are going to marry in future which we did. Before starting our relationship, she did told me that she wasn't a virgin as she broke her hymen by herself some time back (self enjoying). I completely trusted her as she had told me almost everything about her life & she didn't had any relationships & I found it a bit natural. We are quiet open with each other & dont hide any whatsapp/ mails etc with each other, they are always logged in in our laptops. 3 months back we had a fight due to some issue, I was working on my laptop where her gmail was signed in ( I use that a lot for my business as well). I looked at the chats link & found some chats of her with myself & a lot of friends. I enjoyed reading it, specially the part where we started dating. I didn't consider it as privacy interreference as we both were like open book. Suddenly I found a chat with one of her family friend in which there were lot of conversations like, tum meri jaan ho, I love you, Kiss you, aaj mil nahi paaye accha nahi laga, dono akele movie chalte hai etc etc from my wife side & that guy side. The guy was there family friend & was married, she used to roam a lot with him due to work ( atleast what I believed so before) & was very open with him. I didn't mind as I always expected them working together before they had fight due to some financial transactions. Now, I look back she was always with a guy whom she loved, not virgin & all my world just crashed down. It seems that I have been cheated from very starting from the very 1st hug to 1st kiss & 1st everything that I always considered was 1st for both of us & now feeling a lot of betrayal from the person I trusted the most in my entire life. I confronted her, she changed her statements everytime. 1st she said, her brother told her to talk to that person with love as there some money on hold ( not sure what else he would have told her to do), than she said thank god you found out, else I would have died in pain, saying she had a crush on him ( I found luv u & kiss u chats from both sides), then she said that he even try to ruin his married life due to her which his mother stopped & her mother stopped to take it further & several other reasons. But she has the stand that nothing happen physically, not even a touch. It's very hard for me to believe as I have always considered her to be completely truthful, honest & was sure I know everything. This incident felt me being betrayed & I am unable to trust her anymore. I still love her & we have our ever loving daughter but our marriage is no longer as it was before & slowly slowly its drifting apart as my behaviour has changed, I am getting anxieties remembering these again & again, I am unable to watch romantic movies ( which I liked before as I always used to imagine us) now I imagine her with someone that married guy, be it romantic movies, songs, even the dreams are terrifying. I cry a lot going to washroom or going to balcony at night but still am not able to maintain the same balance that we had before. Even she is trying to bring happiness like before but my thinking is completely changed. It's somehow effecting the kid as well as we don't speak with each other like we used to before & the kid understands there is an issue. We know we will save our marriage, but we don't want that. We want our life the same as it was 3 months back, not sure how to do that. Please advise.
Ans: Dear Anonymous,
How can your lives be the same like before?
Your trust has been broken and for things to work, you must rebuild that trust. Now the question is: Are you going to be able to believe your wife again? What must she say or do for you to gain that trust back in her?
And this is something that the two of you need to work on; though you also need to be sure is she is also interested in wanting things to work.
Work with an expert who can help the two of you on this...mere talking amongst yourselves and empty promises will not work. The trust lost, the communication lost...these need a guiding force to bring them back to where they belong in a marriage. So, seek professional help NOW...honestly make this attempt!

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

Moneywize

Moneywize   |174 Answers  |Ask -

Financial Planner - Answered on Nov 03, 2024

Asked by Anonymous - Oct 29, 2024Hindi
Money
I’m Arjun from Kolkata. I am 50 years old with two sons aged 20 and 18. I’ve been investing Rs 40,000 per month in mutual funds for the last decade, but I’m now considering stopping SIPs and moving to more conservative options. What is your advice for balancing growth and safety?
Ans: ‘It is painful to contest as an independent’

It was and it is very much painful for me. Because the reason behind (contesting as an independent candidate against a BJP candidate from Borivali Vidhan Sabha seat) it is the people were saying that if a man of your stature is not taking any decision against such happenings then who will take (such decisions). In the coming 50 years no one will take. So you have to take the decision.
You have to react against this (unfair) decision, which party has taken to nominate Sanjay Upadhyay from Borivali. Once again I'm not totally against any outsiders because if you don't have a strong candidate in a given assembly and if you have good candidates from other assembly constituency then party should field (an outsider from other place). But once, twice (is fine); thrice is much more. This is the fourth time this has happened (that the BJP fielded an outsider from Borivali).
First, Vinod Tawdeji contested; second time, Sunil Raneji contested, third time Piyush Goyalji contested in 2024 Lok Sabha election. Now in this assembly election Sanjay Upadhyay's name has been (announced).

On his decision to contest as an independent…
Let me make it very, very clear that I have not asked ticket from party to contest this election. Party workers suggested my name; in party’s survey from the public, my name had come forward.
It was discussed and party has taken decision to not field Sunil Raneji, the present MLA, again. The news was in media that Gopal Shetty will be given a chance (to contest from Borivali). It was not by party but it was by media. Yesterday, my party’s district president Ganesh Khandkar's name was in discussion in the morning. I don't know how far it was right or wrong but it was in public domain. (But when eve his name was not announced) party karyakartas (workers) approached me yesterday (on October 28) noon time. I had made very much clear to them (people who make the decision in BJP who distribute tickets) that if any party worker from whether it was from Borivali or Magathane (Borivali’s adjoining neighbourhood from where Ganesh Khandkar belongs) because there’s just a road (in between these two Vidhan Sabha constituencies) in the middle. It doesn't make any difference. So we should accept (Khandkar’s name). Because if (I were to take) any decision against that (Khandkar’s nomination) also then people would not have liked it. People have seen me; what I am and (in that spirit) we should support that new party worker, whom the party has nominated (and get him elected). I made all party workers to understand the situation. But suddenly sometime between 3 and 3:30 pm, TV channels broke the news came that Sanjay Upadhyay has been nominated from Borivali.
From morning (of October 28) I was with Piyush Goyalji. We filed the nomination of Vinod Shelar (who is contesting from Malad). We filed nomination of Yogesh Sagarji (who is contesting again from Charkop), of Manishatai Chowdhary (from Dahisar) and Prakash Surve (BJP ally Shiv Sena’s nominee from Magathane).
After filling all four nominations we went to party office at Kandivali. Piyush Goyalji was also with me. He told (me) that party has taken the decision (to field Sanjay Upadhyay from Borivali).
I told him at that moment only that this decision is not right (the decision that BJP has taken). People will not accept it. I told him yesterday (October 28) that I am going to file (my nomination) as an independent candidate tomorrow (October 29, the last date for filing nominations in Maharashtra).

On fighting against friends and family…
Friends are always friends. Piyush Goyalji is also ours. All Bharatiya Janta Party workers are mine. I am for them.
I have appealed not only to Bharatiya Janta Party workers but of all the political parties that they should stand behind me in this fight because this is not a political fight. This is the fight to give justice to the party workers and to the people of Borivali.
This particular subject (of not giving party ticket to loyalists) is not only (an issue limited) to Borivali. It is for the entire nation. I will say everywhere such things (loyal workers are not getting tickets to contest election) are happening. It should not happen.
Again I will say this that I am not 100% against any outsider coming and contesting. Let me make it very clear again and again. It's okay once or twice. But successively four times it is not acceptable. It is not acceptable.

‘I have not resigned from BJP’
Definitely it is wrong because the party workers are working day and night to build this party, to serve the people. And if anyone from anywhere comes and contests then what is the use of party and sanghatna (organisation)?
I have told yesterday only I have not resigned. I am not going to resign. I am not going to leave my party’s principles and ideologies. I am not going to contest this election by going to any other party. That's why I have chosen to fight as an independent candidate’ all are mine and I am for all.

On his supporters hounding Piyush Goyal…
I don't think any such thing has happened. But if it has happened (then) that it is wrong. I will say such things should not happen because we are one. We all are one. Piyush Goyalji is a cabinet minister elected from this constituency. And he's our leader. We should respect him. I will appeal to all the party workers.
(We must respect) not just Piyush Goyalji but even the small party workers. We are all. We all are one.
Such things should not happen again.

About having second thoughts while vacating his seat for Piyush Goyal
Never. Never. Never. Never. Let me make it very clear that North Mumbai constituency was not my father's property. It was party’s (prerogative to decide who gets to contest from where) and it should always be party’s decision to decide who gets to contest from where. That was not my personal property.
Party has given me opportunity seven times. I fought, I won.
When Prime Minister (Narendra Modi) decided that North Mumbai is a very safe constituency and Piyush Goyalji should constitute contest contact from there then it was my duty to fulfill the wish of my Prime Minister. I am proud he chose North Mumbai for that job.

On withdrawing his nomination if the Prime Minister calls him to do so...

I don't think that Prime Minister or any big other leaders will do such things to me. Because we all are of one thought and thinking, I don't think what I have done is wrong. No one can tell me that you are doing something wrong. If I had gone to some other party to fight election, and win election and go to the Maharashtra Legislative Assembly, that would have been wrong.
When I sought support from other political parties (to help me win this seat) also I have made it very clearly that I will not join any party and contest this election. This election is something different which I am contesting. I am hopeful that people of other party and sections will also support me.




Given your stage in life, shifting from high-growth equity mutual funds toward more balanced and conservative options is a wise choice. However, to preserve growth potential while adding safety, consider a gradual, diversified approach. Here are some strategies to help you balance growth and capital protection:
1. Hybrid Funds for Balanced Growth and Safety

• Balanced Advantage Funds (BAFs): These funds dynamically manage equity and debt exposure based on market conditions, offering both growth potential and downside protection. BAFs can adjust their equity exposure when markets are volatile, which helps reduce risks while maintaining moderate growth.
• Equity Savings Funds: These funds allocate a smaller percentage to equities, combined with debt and arbitrage opportunities. They offer steady returns with less volatility than pure equity funds, which makes them a good middle-ground option.
2. Debt Instruments for Stability

• Fixed Maturity Plans (FMPs): With a set maturity date, FMPs invest in fixed-income instruments, aiming to deliver stable, predictable returns with minimal risk.
• Corporate Bond Funds and Short-Term Debt Funds: These funds focus on high-quality bonds and aim for returns slightly higher than traditional fixed deposits, with low to moderate risk. Short-term debt funds (duration up to 3 years) are less sensitive to interest rate changes, making them relatively stable.
• Target Maturity Funds: These funds are similar to bonds and hold securities until maturity, making them a safe bet for those nearing retirement. They offer predictable returns and are available with various time horizons.

3. Systematic Withdrawal Plan (SWP)

• You might consider moving a portion of your mutual fund investments into a Systematic Withdrawal Plan (SWP) in balanced or hybrid funds. This option allows you to receive regular payouts, which can act as an income stream while keeping your principal invested.

4. Consider Conservative Hybrid Funds

• These funds invest predominantly in debt and a smaller portion in equity, which helps in providing stable returns with a conservative approach. Over time, this strategy can offer some growth without the risks of a high equity allocation.

5. Diversify into Gold and Real Estate Investment Trusts (REITs)

• A small portion (e.g., 5-10%) of your portfolio can be allocated to assets like gold funds or REITs. Gold funds act as a hedge against inflation and market volatility, while REITs can provide passive income through real estate exposure without direct property investment.

6. National Pension System (NPS) for Retirement Security

• If you’re not already invested in the NPS, consider it as a tax-efficient option that offers both equity and debt exposure with a more conservative tilt. The NPS allows you to choose your asset allocation, balancing risk and return.

Suggested Allocation Example

• Equity (30%): Balanced Advantage Funds or Equity Savings Funds.
• Debt (60%): Corporate Bond Funds, Short-Term Debt Funds, and Target Maturity Funds.
• Alternative Assets (10%): Gold Funds, REITs, or NPS for a diversified approach.

This mix should help maintain some growth potential while providing increased stability as you approach retirement. Rebalancing your portfolio periodically and aligning your investments with your financial goals will help keep risk levels manageable while meeting your future needs.

...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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x