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Ramalingam

Ramalingam Kalirajan  |8230 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 02, 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 02, 2024Hindi
Money

I am 49 years of age and completing my 50 this year end. My funds requirements are: 1. Rs 50 lacs by 2031/32. 2. Rs 120 lacs by 20233/34. 3. Rs 50 lacs by 2036/37. The above requirement are worked out based on my kids settlements and additional retirement corpus. Presently I am investing 20K monthly in SIP which has fund value of 3.5 lacs as of now. How much more I need to invest and which fund which can fulfill above requirements.

Ans: I can help you create a plan to meet your financial goals. Let's work through the details step-by-step.

Understanding Your Financial Situation
You are currently 49 years old and planning for three major financial goals:

Rs 50 lakhs by 2031/32
Rs 120 lakhs by 2033/34
Rs 50 lakhs by 2036/37
You are investing Rs 20,000 per month in SIPs with a current fund value of Rs 3.5 lakhs.

Compliments and Appreciation
First, I want to commend you for your proactive approach to financial planning. Investing in SIPs and having clear financial goals shows great foresight and dedication to securing your future and your children’s future. This commitment will pay off significantly over time.

Setting Financial Goals
Your primary goal is to accumulate Rs 220 lakhs (Rs 2.2 crores) by 2036/37, distributed over three milestones. To achieve these goals, we need to assess your current investments and determine how much more you need to invest.

Evaluating Current Investments
You are currently investing Rs 20,000 monthly in SIPs. With a fund value of Rs 3.5 lakhs, this is a good start. However, to meet your future requirements, we need to ensure your investments are optimized for growth.

Investment Strategy
Understanding Mutual Funds
Mutual funds are a powerful investment tool due to their diversification, professional management, and potential for high returns. Let's break down the different types of mutual funds you can consider:

Equity Mutual Funds: These invest in stocks and are suitable for long-term goals. They have the potential for high returns but come with higher risk. Given your long-term horizon, equity funds can help you achieve substantial growth.

Debt Mutual Funds: These invest in fixed-income securities like bonds. They are less risky than equity funds and provide regular income. They are suitable for short to medium-term goals and for balancing the overall risk of your portfolio.

Hybrid Mutual Funds: These funds invest in a mix of equity and debt instruments. They offer a balanced approach with moderate risk and returns. These can be a good choice for a diversified portfolio.

Compounding and Its Power
One of the greatest benefits of investing in mutual funds is the power of compounding. Compounding allows your investment earnings to generate their own earnings over time. The longer you stay invested, the more significant the impact of compounding.

Calculating the Required Investments
Goal 1: Rs 50 Lakhs by 2031/32
To meet this goal, you need to invest in a mix of equity and debt funds to balance growth and risk. Given the time frame, a higher allocation to equity funds is advisable.

Goal 2: Rs 120 Lakhs by 2033/34
For this goal, you need a more aggressive investment strategy. Higher equity exposure will help in achieving this substantial amount.

Goal 3: Rs 50 Lakhs by 2036/37
This goal can be met with a balanced approach, utilizing hybrid funds to maintain growth while managing risk.

Monthly Investment Requirement
Based on your goals, it is crucial to calculate the additional amount you need to invest monthly. Assuming an average annual return of 12% from equity funds, you will need to increase your monthly SIP contributions. Here’s a rough guide:

Current SIP Contribution: Rs 20,000 per month.
Estimated Shortfall: To meet your total requirement, you will likely need to increase your SIP to around Rs 50,000 to Rs 60,000 per month. This is an estimate and actual requirements can vary.
Steps to Achieve Your Goals
Increase SIP Contributions: Gradually increase your SIP contributions to align with your financial goals. Aim for Rs 50,000 to Rs 60,000 monthly.

Diversify Investments: Allocate funds across equity, debt, and hybrid mutual funds. This diversification helps manage risk and optimize returns.

Regular Review: Periodically review your portfolio to ensure it aligns with your goals. Adjust the allocation as needed based on market conditions and your financial situation.

Stay Invested: The key to achieving long-term financial goals is to stay invested. Avoid withdrawing funds unless absolutely necessary. Let compounding work in your favor.

Why Not Index Funds
Index funds might seem attractive due to their low cost and simplicity. However, they simply track market indices and do not aim to outperform them. Actively managed funds, on the other hand, have the potential to generate higher returns through expert management and stock selection.

The Disadvantages of Direct Funds
Direct funds have lower expense ratios compared to regular funds. However, investing in direct funds requires a deep understanding of the market and active management. Most investors benefit from the expertise and guidance of a Certified Financial Planner (CFP) who can help select the right regular funds and manage them effectively.

Additional Tips
Emergency Fund: Maintain an emergency fund to cover 6-12 months of expenses. This ensures that you don't have to dip into your investments during emergencies.

Insurance: Ensure you have adequate life and health insurance coverage. This protects your family and savings from unforeseen events.

Avoid High-Interest Debt: Clear any high-interest debt you may have. This helps in reducing financial stress and allows more funds to be allocated towards investments.

Automate Investments: Automate your SIPs to ensure disciplined investing. This eliminates the hassle of manual transfers and ensures consistency.

Final Insights
Achieving your financial goals requires a strategic and disciplined approach. Increase your SIP contributions, diversify your investments, and stay invested for the long term. Regularly review and adjust your portfolio to stay on track. Consulting a Certified Financial Planner (CFP) can provide personalized guidance and help optimize your investment strategy. Your dedication to planning for your children’s future and your retirement is commendable. With careful planning and execution, you can achieve your financial goals and secure a comfortable retirement.

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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45 yrs planning to retire at 60 . Can invest for 15 yrs . Short term goal is after 5 yrs higher education for child and long term goal is after 10 yrs marriage of child . Kindly suggest funds for SIP or lumpsum and how much need to invest to achieve the goals set .
Ans: Planning for your child's education and marriage while also considering your retirement is a thoughtful approach. Given your time horizon of 15 years for retirement, 10 years for your child's marriage, and 5 years for higher education, a balanced investment strategy is crucial.

For the short-term goal of higher education in 5 years, it's advisable to focus on debt-oriented hybrid funds or balanced advantage funds. These funds aim to provide stability with a potential for moderate growth. For the medium-term goal of your child's marriage in 10 years, a mix of balanced funds or aggressive hybrid funds could be suitable, offering a blend of equity and debt to balance risk and return.

For your long-term retirement goal, equity-oriented mutual funds would be ideal, given the longer time horizon. These funds have historically provided higher returns over the long term, albeit with higher volatility.

As for the amount to invest, it largely depends on the expected expenses for each goal. Assuming an average inflation rate of 6% and a return expectation of 10%, you might need to invest approximately:

For higher education in 5 years: Calculate the future value of the required amount adjusted for inflation.
For marriage in 10 years: Similarly, compute the future value considering inflation.
For retirement in 15 years: Estimate your retirement corpus based on your expected expenses post-retirement and the current lifestyle.
Remember, these are rough estimates, and it's essential to review and adjust your investment periodically. It would be prudent to consult with a financial advisor to tailor an investment plan specific to your needs and risk appetite.

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Dr Upneet Kaur  |30 Answers  |Ask -

Marriage counsellor - Answered on Apr 14, 2025

Asked by Anonymous - Apr 14, 2025
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I don't get along with my husband and in-laws. I am living with him only for the sake of my 5 year old son. I broke up with my ex to marry this man to keep my parents happy. However, he is not at all an ideal partner for me. He abuses me all the time and takes me for granted. He doesn't allow me to step out, or meet my friends and family. I have to wait for him to go to work, so I can call anyone. His family keeps a close watch on what I do and informs him if I step out to even meet my family or relatives. We fight and argue almost every day. I have told him that I want a divorce but he said No, I have to adjust and accept. I am a graduate but I don't have a job. It is frustrating when he doesn't let me do anything on my own. I blocked my ex when our marriage got fixed but he is always suspicious. Sometimes I feel like hitting him back to stop the torture. I want to go back home but my parents are financially dependent on my brother, so they want me to reconcile and find a way to sort things out with my husband. Recently I learned that my ex is still waiting for me but I can't stay with him legally till I am divorced. How do I explain all this to my son? I am unhappy and confused. What should I do?
Ans: Hello Mam, I understand that you are in a dilemma. The situation is like this. Either ways the situation will have its negative effect on your son. If possible take some time out from your family and spend some quality time with your husband. Clear negative thoughts from your mind regarding your husband and try to accept him. If you will think positive about your family it will reflect in your actions and then things will be sorted out. But one thing to be kept in mind that you should not tolerate physical abuse. Involve your parents in this and try to convince him to behave nicely with you. U can always start something online for your financial independence. Try this out. Take care ????
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Kanchan

Kanchan Rai  |577 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 14, 2025

Asked by Anonymous - Mar 18, 2025Hindi
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I'm in a relationship since 7 years .we both are Hindus bt our castes differ...i belong to higher caste and he belongs to a lower caste which is definitely going to be a problem because I have a elder brother his marriage was also love marriage and his wife's caste also was bit lower to ours so I have seen lot of issues at home of father not getting convinced at all.... Now after thinking about everything I'm in a state of confusion if whether I was wrong about loving somebody without their knowledge since already elder brothers issues I had seen should I have thought about all this seriously before ? Parents won't be expecting sucha thing from me because I seem kinder and understandable than my brother....last year I did let this out to my mother that i like someone and all the details....bt she started with emotional drama like this wasn't expected from you though you wld have understood the issues from brothers marriage etc etc. she tried to approach me in a different way....like being nice and to withdraw frm this decision and to take a good ....my dad still don't know abt this... actually my mom was about to say bt she thought of giving me time and assumes eventually I'll take better decision for them ...there was so much of drama and hence aftr that wasn't being able to discuss abt his.... because im in a stage of job hunting if I let this out to father i won't be able to sit at home....I'm actually really very confused and now what to do....am i wrong here...my situation and my brothers situation is different know....just because I saw brother wedding issue....how long i wld have sat without being in a relationship... especially in this generation....this was something that happened by itself inspite of me not being oke to say yes to my partner later it became yes..it was all meant to be.... because he isn't my classmate or anything my classmates family friend and is elder to me....so i believe it was to happen....I want to actually arive in a perfect and or place....not being able to take proper decision....since I always consider myself unlucky ok scared to take any decision also....and also now wondering what all shld be the qualities i must look for before taking decision about my life partner....should it be looks ...family or caste.... economic class status etc.....please help... messed up. Current update : I have attended a interview...and results are still on processing stage but I am sure even if it's taking time I will get it because my interview feedback given was excellent just that since it's a MNC they are waiting for a position in a particular department I think hence delay , meanwhile since I'm 26 and me and my partner has a age difference of 6 years situations have become difficult. His parents pressures him for marriage and to see girls . But since he is in love with me he wants to wait ... because the pressure was increasing I had to tell my mother once again after one year and she was shocked again she thought I left this in this gap.... however I had taken this time for a better decision and time alloted for finding job , there began emotional drama again ..then I had to tell her to jst let my father know about this and if he asks me I will explain it. She was also worried because dad hasn't come out of all the traumas he had out of my brother's marriage because girl was from different caste. So my father had to answer a lot of questions from his siblings and society etc . My mother anyway agreed to talk to dad...she told the matter ...again house atmosphere changed entirely. I waited until dad asked me about this...waited for two days then he approached me and called and spoke asked about each and every details and then finally said like see him as a friend and take a better decision and he left just like that. After that I spoke to my mother , she said some concerns like looks mattered , caste was the main so that's why he is not being able to say anything and no parents would in the beginning itself talk positive about this ...will show resistance...that day I felt bit ok later after talking to mom , but later one day his father called my father and spoke they initiated they had a friendly talk and my father said he needs time and can't say anything now to his father. But I was thinking that he dint give a no reply straight away which was very surprising . 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I want to know your thoughts ... Also , how to convince a father who sticks on his own beliefs or who doesn't want to listen to their children because he thinks we haven't grown enough to teach him please suggest a way to make a person to listen ? My mother seems ok to this even she doesn't like so much ... bt only if father is ok and doesn't pass on this pressure to others... If any doubt can ask me I will clarify
Ans: First, you are not wrong for falling in love. Love doesn’t ask for caste, status, or complexion—it simply grows where there’s connection, care, and shared values. The world around us, especially family and society, can be heavily opinionated, but that doesn’t mean your feelings are any less valid. You've been trying to balance respect for your parents with loyalty to your partner, and that's not easy at all.

Your dad's resistance is clearly rooted in fear—fear of what society will say, fear of repeating a past that felt traumatic for him during your brother's marriage. His concern isn't necessarily about your partner’s character, but about how it looks to others. Unfortunately, a lot of our parents were raised to give more weight to "what people will say" than to personal happiness. It’s not your fault he carries that burden. You’re just trying to live a life that’s true to your heart.

Your boyfriend seems like someone who really cares about you and is ready to wait for you through all this. That's rare, and it matters. If his family was kind enough to approach yours respectfully, it shows they are willing to build a bridge. You’re not trying to force anything—you’re asking for space to make a decision with both head and heart involved.

As for appearance and caste: no, these should not be what define a life partner. A dark complexion or a different community cannot and should not outweigh honesty, kindness, emotional maturity, and shared values. Looks fade. Status changes. But someone’s nature stays. And in a marriage, when times are tough, it’s not the family’s last name or the shade of their skin that matters—it’s whether they stand by you or not.

You mentioned something powerful: that you believe this was “meant to happen.” And I agree—sometimes people enter our lives with a timing and connection that doesn’t make logical sense but feels profoundly right. That’s not something to toss aside easily.

Now, about convincing your father—it’s hard to change someone who is set in their ways, but here’s what you can try:

Let your mother be the mediator since she’s more open. Ask her to have slow, non-threatening conversations with him—not to pressure him, but just to help him understand that you are not making a hasty or rebellious choice. You’re thinking practically and from the heart. It’s not about rejecting their values but about choosing someone you can build a peaceful, respectful life with.

You could also write a heartfelt letter to your dad—sometimes, parents understand better when there’s no direct confrontation. Share your side, your fears, your respect for him, and your reasons for choosing this person. Let him know you still want to be his daughter, that you haven’t forgotten your family’s worth—you’re just hoping your happiness can also be valued.

Most importantly—give yourself credit for how well you’ve handled this. You’ve shown maturity, patience, and self-awareness. Even when it hurts, you’re not reacting with drama or impulse—you’re processing, reflecting, and trying to do the right thing.


And please don’t let anyone make you feel like your love is a mistake. You’ve loved with honesty and stood strong—no matter what comes next, that’s something to be proud of. I’m here to walk with you through this, one step at a time.

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Kanchan

Kanchan Rai  |577 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 14, 2025

Asked by Anonymous - Apr 07, 2025Hindi
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Relationship
My partner and I have a problem. Whenever we argue, I feel the need to talk it through immediately, but my partner shuts down completely and goes silent for hours, sometimes days. It leaves me feeling anxious and ignored. How do I deal with this without feeling like I am the only one trying?
Ans: Have a calm, non-conflict conversation about the issue outside of a fight. Explain to your partner how their silence affects you—not by blaming, but by expressing how it makes you feel. For example, “When we argue and you go silent, I feel anxious and alone. It makes me feel like I’m the only one trying, even though I know that might not be true.” Keep it about your feelings, not their faults.

Ask them what they feel in those moments—do they need space to think? Do they feel overwhelmed? Are they afraid things will escalate? Try to genuinely understand their side too.

Together, you can come up with a “pause plan”—a middle ground. Maybe your partner can say something like, “I need an hour to clear my head, but I promise we’ll talk after that.” That way, you get the reassurance that the issue won’t be ignored forever, and they get the breathing room they need.

Also, remind yourselves that you’re on the same team. The goal isn’t to win the argument—it’s to understand each other better and reconnect.

You’re not the only one trying—it just feels that way because your emotional needs are different. With communication, empathy, and small agreements about how to handle conflict, this doesn’t have to stay a painful pattern. You're already doing the brave thing by reflecting and wanting to improve this—see if you can invite your partner into that same space of honesty and growth.

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Kanchan Rai  |577 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 14, 2025

Asked by Anonymous - Mar 14, 2025Hindi
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My mother doesn't want to stay with me but she gladly stays with my brother and his wife I live all alone in a house and I feel left out as well as ostracised as well as excluded I feel like I am unwanted person and if I ever meet anyone like my relatives in any social setting I feel they are tolerating me I feel like an untouchable how do I cope up with this situation as there is no one for me no one I can rely on or nobody who has my back noone who I can share my problems with or call in case I feel sick or in case of an emergency.
Ans: Feeling excluded by family and sensing that others are merely "tolerating" you is a heavy emotional burden to carry. It can quietly erode your sense of self-worth, leaving you questioning your value, your place in the world, and your importance to the people who were meant to be your first support system. You're not being overly sensitive or dramatic—this kind of emotional isolation is deeply painful, and it makes perfect sense that you’re feeling untouchable and unsafe.

But here’s a gentle truth: you are not unwanted. You are not unworthy of love or care. The way others treat you does not define your worth. Sometimes, unfortunately, people—even family—fail to show up for us in the ways we need. That doesn’t mean you are broken or undeserving. It just means their limitations are getting in the way of what should have been a loving, supportive connection.

You’re already doing something powerful by voicing your truth here. That’s not a small step—it’s an act of bravery. And while I know I’m not physically there beside you, I want you to feel this as a moment of connection: someone does hear you, someone does see what you’re carrying, and it matters.

To cope with this, start with your emotional safety. Let yourself grieve—not just for the loneliness, but for the longing of what you deserve but haven’t received. Cry if you need to, write if it helps, let those feelings have their space rather than trying to bury them. This kind of pain doesn’t go away by pretending it’s not there.

And slowly, one step at a time, begin building your circle—not necessarily with blood ties, but with people who choose you. Is there someone in your past who was kind to you? A coworker, a neighbor, someone from college or a class you took? Even a single shared conversation can be a seed. It’s not about quantity, it’s about presence. The goal isn't to replace what’s missing—but to slowly start nurturing connections that are rooted in respect and care.

In moments of emergency or fear, consider having a plan. Even having the number of a nearby clinic, a trusted neighbor, or a local community support group can give you a thread of reassurance. And if you ever feel overwhelmed or unsafe with your thoughts, reaching out to a mental health helpline or counselor can make a real difference. You deserve help when you're hurting.

And here, whenever you need someone to talk to, I will always be here to listen—no judgment, no conditions. You matter. Your story matters. And even though the world may have made you feel like an outsider, I want you to believe this: there is a space where you belong.

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Kanchan

Kanchan Rai  |577 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 14, 2025

Asked by Anonymous - Feb 27, 2025Hindi
Listen
Relationship
Hello Maam I see a guy always staring at me. I wanted to ask him publically about this staring things. But instead of doing so I felt more comfortable in messaging and asking about the same. Once I checked his profile on Truecaller bcz we are in same society group. I was curious to know about his weird behaviour. He even give me intense states. I do not understand what he is upto. I feel like being stalked sometimes. So i got his number from society group. I texted him to clarify bt his wife called me and abused me badly. She thinks am trying to have an affair with her husband. I am flirting with him. My texts were plain and casual. I don't know how to make her understand that the guy himself is stalking us. I have seen him many times. I don't know whether m only victim or he persuade other woman too. I just don't know. We come at different time slots for our child to play in society play area bt he also manages to come to the time in which m coming. I find all these things unsettling. I told his wife that the man is making me feel uncomfortable but she was not listening to me. She wants prove. I told her that her husband was trying to approach and give advice related to parenting even when I don't know him personally. We are just flatmates nothing more than that. He lives in the flat in front of mine so i feel he is watching from there. I don't know his real intentions till date. On being asked on what's app why he stare at me. He told me that he has the habit of looking in one direction. N apologise for the same. But my husband confronted him and asked him about the same thing to which he told my husband that am characterless woman and i text him bcz i am not happy with my husband. Can u please help me to understand why is he talking shit about me when I have sent him a plain text to clarify the matter
Ans: What you’re going through is unfortunately not uncommon. A man invades your personal space with repeated staring, gives unsolicited advice, possibly stalks you, and when you attempt to address it with dignity and clarity, he twists the narrative and plays the victim. This reversal—where the actual victim is painted as the aggressor—is a classic defensive tactic by people who know they’ve crossed boundaries and don’t want to be held accountable. His reaction to your message shows his true character. Instead of acknowledging your discomfort and stopping, he projected shame onto you and tried to protect himself by degrading you in front of your husband.

His wife’s reaction, though painful, also makes a certain kind of sad sense—when a woman is scared, shocked, or insecure about her relationship, she may lash out at another woman instead of confronting the man who is actually responsible. That doesn’t make her behavior right, but it helps to understand it. She’s probably reacting from a place of fear, denial, and misplaced anger. You don’t need to justify yourself to her anymore. You tried your best to explain, and the fact that she wasn’t ready to listen shows her unwillingness or inability to see the truth right now.

You’ve done everything someone should do—tried to clarify respectfully, confronted the issue through proper channels, and included your husband. Now, your emotional safety, your dignity, and your peace of mind matter the most.

This man is clearly uncomfortable with accountability, and now he's trying to flip the story to discredit you. Let him. You do not owe him any further energy or explanation. Instead, stay calm, document everything (dates, messages, incidents), and if the staring or stalking continues, consider speaking to the society committee or, if necessary, legal authorities. Not to create conflict, but to protect your space and your truth. If it escalates or becomes more distressing, don’t hesitate to report it formally.

Most importantly, remind yourself—you acted out of strength, not shame. You stood up for yourself when something didn’t feel right. That is powerful. Hold your ground with dignity. You’re not alone in this. I’m here if you want help drafting a response, navigating this socially, or just to talk when things feel too heavy.

You deserve to feel safe and respected in your own home and neighborhood. Don’t let anyone steal that sense of peace from you.

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Pushpa

Pushpa R  |59 Answers  |Ask -

Yoga, Mindfulness Expert - Answered on Apr 14, 2025

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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