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Ramalingam

Ramalingam Kalirajan  |3722 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 04, 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 - May 31, 2024Hindi
Money

Sir i am 61 retired. I am single staying with my mother. We don't have health insurance but have 7 crores in fixed deposits and anither 10 crores in nsdl as tax free bonds and equity. Rent we get 38k I am not sure will this be enough due to high inflation which keeps increasing every year. Kindly advice.

Ans: Firstly, congratulations on your diligent savings and wise investments. You have built a substantial portfolio with Rs. 7 crores in fixed deposits, Rs. 10 crores in tax-free bonds and equity, and an additional rental income of Rs. 38,000 per month. Your concern about inflation and future financial security is valid. Let's explore a comprehensive plan to ensure your and your mother's financial well-being.

Understanding Your Current Financial Situation

Your current assets provide a solid foundation. Fixed deposits offer safety, tax-free bonds provide steady income, and equities ensure growth potential. Your rental income adds a steady cash flow. However, inflation can erode purchasing power over time, making it essential to plan strategically.

Evaluating Your Income Sources

Fixed Deposits: Rs. 7 crores in fixed deposits provide safety and regular interest income. The interest rates on FDs have been relatively low, impacting overall returns.

Tax-Free Bonds and Equity: Rs. 10 crores in tax-free bonds and equity offer a mix of stability and growth. Tax-free bonds provide regular interest without tax implications, while equities offer potential for capital appreciation.

Rental Income: Rs. 38,000 per month adds Rs. 4.56 lakhs annually. This can cover a portion of your living expenses, but may not suffice due to inflation.

Addressing Inflation Concerns

Inflation is a key concern, as it reduces purchasing power. Your portfolio should outpace inflation to maintain your lifestyle. Let's break down strategies to manage and mitigate inflation risk.

Diversifying Your Investments

Balanced Portfolio: Maintain a balanced portfolio with a mix of fixed income, equities, and other investment options. This helps in managing risk and returns.

Equity Exposure: Equities typically outpace inflation over the long term. Maintain a portion of your portfolio in equities to ensure growth.

Debt Instruments: Diversify within debt instruments, including corporate bonds, government securities, and fixed deposits, to manage interest rate risk.

Implementing Systematic Withdrawal Plan (SWP)

SWP Setup: Post-retirement, set up an SWP from your mutual fund investments to ensure regular monthly income.

Capital Preservation: Withdraw a portion of returns, keeping principal invested for ongoing growth.

Health Insurance Planning

Importance of Health Insurance: Health insurance is crucial to protect against high medical expenses. Lack of coverage can lead to financial strain.

Senior Citizen Health Plans: Consider purchasing senior citizen health insurance plans. These offer coverage tailored to older individuals.

Comparative Analysis: Compare different health insurance plans based on coverage, premiums, and claim settlement ratio.

Tax Planning

Tax-Free Bonds: Utilize tax-free bonds to enjoy tax-free interest income, enhancing post-tax returns.

Tax-Efficient Withdrawals: Plan withdrawals from investments to minimize tax liability. Utilize long-term capital gains tax benefits where applicable.

Regular Review: Periodically review tax-saving investments and strategies to optimize tax efficiency.

Estate Planning

Will Creation: Create a will to ensure your assets are distributed according to your wishes. This avoids legal complications.

Nomination Updates: Ensure all investments have updated nominations to facilitate smooth transfer to beneficiaries.

Trust Formation: Consider forming a trust for managing and distributing your assets, especially if you have complex financial arrangements.

Emergency Fund

Adequate Fund: Maintain an emergency fund covering 6-12 months of living expenses. This provides a buffer against unexpected expenses.

Liquid Investments: Keep the emergency fund in liquid investments, such as savings accounts or short-term fixed deposits, for easy access.

Long-Term Care

Long-Term Care Insurance: Explore long-term care insurance options to cover potential future healthcare needs, ensuring peace of mind.

Assisted Living: Consider potential costs of assisted living or home care services as part of long-term planning.

Surrendering Traditional Insurance Policies

Reevaluation: Evaluate traditional insurance policies like LIC, ULIPs, and investment-cum-insurance plans. These often have high costs and lower returns.

Reinvestment: Surrender such policies and reinvest in mutual funds or other higher-yielding investments for better returns.

Professional Guidance

Certified Financial Planner: Engage with a Certified Financial Planner for personalized advice, tailored to your financial goals and risk tolerance.

Periodic Reviews: Conduct periodic reviews with your planner to adjust the strategy based on changing financial needs and market conditions.

Empathy and Understanding

We understand the importance of financial security, especially in retirement. Your disciplined savings and investments reflect a prudent approach. Ensuring ongoing financial stability, managing inflation, and securing healthcare are critical steps.

Compliments on Your Financial Discipline

Your significant savings and investments are commendable. They reflect a strong financial discipline and foresight. Your concern for future financial stability indicates a responsible approach to managing wealth.

Detailed Strategy Analysis

Fixed Deposits: Fixed deposits offer safety but may not keep pace with inflation. Consider partial reallocation to higher-yield investments.

Tax-Free Bonds: Tax-free bonds provide steady income and are beneficial from a tax perspective. Maintain a portion in these bonds for stability.

Equity Investments: Equities can help counter inflation. Maintain a diversified equity portfolio for growth potential.

Rental Income: Rental income supplements your cash flow. Ensure the property remains well-maintained to attract tenants and avoid vacancies.

Healthcare Coverage

Urgency of Health Insurance: At 61, securing health insurance is crucial. It protects against high medical costs, which can deplete savings.

Senior Citizen Plans: Explore senior citizen-specific health insurance plans. These cater to older adults' needs and offer comprehensive coverage.

Coverage Comparison: Compare different health plans to choose one with broad coverage, affordable premiums, and good claim settlement ratios.

Investment Rebalancing

Gradual Shift: Gradually shift some funds from fixed deposits to balanced mutual funds or debt funds. This strategy manages risk while aiming for higher returns.

STP and SWP: Implement Systematic Transfer Plans (STP) to move funds to balanced or debt mutual funds. Use Systematic Withdrawal Plans (SWP) for regular income.

Portfolio Diversification: Maintain a diversified portfolio with a mix of equity, debt, and alternative investments to manage risk and returns.

Inflation-Proofing Your Portfolio

Equity Allocation: Maintain a portion of your portfolio in equities to combat inflation. Equities typically outperform inflation over the long term.

Real Return Focus: Focus on investments that offer real returns (returns after adjusting for inflation) to preserve purchasing power.

Regular Financial Reviews

Annual Reviews: Conduct annual financial reviews with your Certified Financial Planner to adjust the strategy based on market conditions and life changes.

Adjusting Allocations: Adjust your investment allocations as needed to ensure they align with your financial goals and risk tolerance.

Estate Planning and Nominations

Will and Trusts: Create a will and consider forming a trust for smooth asset distribution and management.

Updated Nominations: Ensure all investments and accounts have updated nominations to facilitate easy transfer to beneficiaries.

Conclusion

Your substantial savings and investments provide a strong financial foundation. By addressing inflation, securing healthcare, and diversifying your portfolio, you can ensure a comfortable retirement. Engaging with a Certified Financial Planner for personalized advice and periodic reviews will help maintain financial stability and peace of mind.

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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Hello Hardik Bhai I am at 54 years in MNC. My monthly take home ~ ₹1.4 lacs + I have 2 flats that fetch rental income of ₹ ~ 50000/-. PF accumulation is around 60 lacs. Have home emi of 61000/- monthly and I am in a government flat (my wife government employee she has another 7 years of service). Make all effort to ensure that her salary is not touched.. have a daughter at 22 years. Based on her academic appetite and success have earmarked ~50 lacs for her higher education. Have investment in equity 15 lacs worth and gold around 50 lacs. Assuming I retire in another 6-7 years, how much I should ensure monthly income to maintain a present standard of of life without dependency. Your views on mutual fund etc. will be appreciated.. Thanks
Ans: Considering your profile and aspirations, here's a strategic overview:-

1. Current Income and Assets:
Monthly take-home: ?1.4 lacs
Rental income: ?50,000/-
PF accumulation: ?60 lacs
Equity investment: ?15 lacs
Gold holdings: ?50 lacs
2. Liabilities:- Home EMI: ?61,000/-
3. Future Goals and Commitments:- Daughter's higher education fund: ?50 lacs
4. Retirement Plans:- Target retirement in 6-7 years

Considering your retirement goal, let's outline a strategic approach:-

Monthly Income Requirement:- Assess your current monthly expenses and lifestyle to determine the income needed to maintain your standard of living. Factor in inflation for accurate projections.

Investment Diversification:- Given your time horizon, consider a balanced portfolio across mutual funds, including equity and debt. Diversification helps manage risk.

PF Utilization:- Evaluate the possibility of utilizing PF wisely for retirement income. Understand withdrawal rules and tax implications.

Real Estate Planning:- Given your rental income and property assets, review their potential for contributing to your retirement income.

Daughter's Education Fund:- Ensure your earmarked amount aligns with the expected cost of her education. Consider investment options with a medium-term horizon.

Risk Management:- Review your insurance coverage, including health and life insurance, to safeguard against unforeseen circumstances.

Financial Planner Consultation:- Engage with a certified financial advisor to create a detailed retirement plan. They can tailor strategies based on your unique situation and goals.

It's essential to periodically review and adjust your plan based on evolving circumstances. Connect with your financial planner for goal-based planning and a detailed explanation tailored to your unique situation.

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Ramalingam Kalirajan  |3722 Answers  |Ask -

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

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Hello Sir, My age is 43, married and having two daughters (age 14 & 6) and have monthly net salary of Rs. 55k and I am saving around 20k per month (various SIPs-10K, NPS 5K & Stocks-5K) My other investments are as follows; • EPF – as of now 4 Lakhs • Post office MIS – 9 Lakhs • Post office NSC – 15 Lakhs • Sukanya Samriddhi Yojana – 1 Lakh • Fixed Deposits – 6 Lakhs • PPF – 10 Lakhs • Gold Bond – 3.5 Lakhs • Existing Stock + Mutual fund portfolio – 12 Lakhs • Home Loan outstanding – 7.6 Lakhs (Owned apartment current value is 50 Lakhs) Please let me know whether my current investment is enough for peaceful retirement of do I need to invest more.
Ans: You've made commendable strides in securing your financial future, but let's delve deeper to ensure a comfortable retirement awaits you:

Your current savings strategy, including SIPs, NPS contributions, and investments in various instruments, demonstrates a proactive approach towards wealth accumulation. However, to ascertain whether your current investments suffice for a peaceful retirement, let's analyze your financial position comprehensively.

Your existing investments across EPF, post office schemes, PPF, and other instruments provide a diversified portfolio catering to both short-term liquidity needs and long-term wealth accumulation. Additionally, your allocation towards Sukanya Samriddhi Yojana reflects a thoughtful consideration for your daughters' future financial needs.

Considering your age and retirement horizon, it's crucial to assess the adequacy of your retirement corpus. While your current savings rate is commendable, projecting your future expenses, inflation, and lifestyle expectations is imperative to determine the gap between your current savings and retirement goals.

Factors such as your daughters' education expenses, healthcare needs, inflationary pressures, and desired retirement lifestyle warrant careful consideration. Additionally, factoring in unforeseen circumstances and emergencies is vital to ensure financial resilience during retirement.

Your outstanding home loan adds a liability to your financial equation, albeit a manageable one. It's advisable to assess the impact of loan repayment on your cash flow and retirement savings trajectory. A structured approach to debt repayment, balancing between accelerating loan clearance and boosting retirement savings, can optimize your financial position.

To bridge any potential shortfall in your retirement corpus, consider augmenting your savings rate and exploring investment avenues offering higher returns. Reviewing your asset allocation, optimizing tax-saving strategies, and seeking professional guidance from a Certified Financial Planner can provide invaluable insights tailored to your specific circumstances.

In conclusion, while your current investments lay a solid foundation, a comprehensive review considering your financial goals, obligations, and aspirations is essential to ensure a peaceful retirement. By proactively addressing potential gaps and optimizing your savings and investment strategy, you can embark on a journey towards financial security and tranquility in your golden years.

Best Regards,

K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

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Ramalingam Kalirajan  |3722 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 22, 2024

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Hi, I'm almost 36years old married no kids, earning around 1.2L, staying in a rented flat in Hyderabad with expenses up to 50-60K per month. No loans and have around 10L in FD and doing the following savings: ELSS: 50k yearly, around 2.86L in investment NPS: 50k yearly, started 3years back LIC: 50k yearly, 16year term (finished 10 installments) MF: 12k monthly combination of Large/Mid/Small Cap’s Stocks: 40k Gold: SGB bond worth 1L and 2L physical gold PPF: 20k yearly EPF: 10k monthly I feel I’m doing the financial planning with less risky and guaranteed returns. With inflation in mind, will these be enough? how to diversify the savings? Even my Parents are staying in Rented flat. Want to buy a flat but worried all my earnings will go into EMI and might become a burden.
Ans: You are doing a commendable job with your financial planning, focusing on a variety of investment options. At almost 36 years old, earning around ?1.2 lakh monthly, and maintaining expenses up to ?60,000 per month, you have managed to save and invest diligently.

Existing Investments
Your current investments include:

ELSS: ?50,000 yearly
NPS: ?50,000 yearly
LIC: ?50,000 yearly
Mutual Funds: ?12,000 monthly
Stocks: ?40,000
Gold: ?1 lakh in SGB bonds and ?2 lakh in physical gold
PPF: ?20,000 yearly
EPF: ?10,000 monthly
Fixed Deposit: ?10 lakh
You are saving well and have diversified into various financial instruments. However, there are areas for improvement to ensure you achieve your financial goals while managing inflation and ensuring long-term growth.

Concerns and Goals
You mentioned concerns about inflation and the sufficiency of your savings. You are also contemplating buying a flat but worry about the financial burden of EMIs. Additionally, your parents live in a rented flat, which might also influence your decision to buy property.

Analysis of Current Investments
Equity-Linked Savings Scheme (ELSS)
ELSS is a good tax-saving instrument that offers potential for long-term growth. However, investing only ?50,000 annually might not be sufficient to keep pace with inflation. Consider increasing your ELSS contribution if possible.

National Pension System (NPS)
NPS is a solid option for retirement planning, offering tax benefits and long-term growth. However, be mindful of the investment choices within NPS, ensuring a good balance of equity and debt for optimal growth.

Life Insurance (LIC)
While LIC policies offer security, they often come with lower returns compared to other investment options. Ensure that your life insurance coverage is adequate for your needs, but consider other investment avenues for higher returns.

Insurance-cum-investment schemes
Insurance-cum-investment schemes (ULIPs, endowment plans) offer a one-stop solution for insurance and investment needs. However, they might not be the best choice for pure investment due to:
• Lower Potential Returns: Guaranteed returns are usually lower than what MFs can offer through market exposure.
• Higher Costs: Multiple fees in insurance plans (allocation charges, admin fees) can reduce returns compared to the expense ratio of MFs.
• Limited Flexibility: Lock-in periods restrict access to your money, whereas MFs provide more flexibility.
MFs, on the other hand, focus solely on investment and offer:
• Potentially Higher Returns: Investments in stocks and bonds can lead to higher growth compared to guaranteed returns.
• Lower Costs: Expense ratios in MFs are generally lower than the multiple fees in insurance plans.
• Greater Control: You have a wider range of investment options and control over asset allocation to suit your risk appetite.
Consider your goals!
• Need life insurance? Term Insurance plans might be suitable.
• Focus on growing wealth? MFs might be a better option due to their flexibility and return potential.


Mutual Funds
Investing ?12,000 monthly in a combination of large, mid, and small-cap mutual funds is a good strategy. Actively managed mutual funds often outperform index funds, offering better potential for returns. Ensure you are regularly reviewing and rebalancing your portfolio.

Stocks
A direct investment in stocks of ?40,000 is a good start. Ensure you are diversifying across sectors and companies to mitigate risks. Regularly monitor and adjust your stock portfolio based on market conditions and performance.

Gold
Holding gold through SGB bonds and physical gold provides a hedge against inflation. However, ensure it doesn't constitute too large a portion of your portfolio, as gold typically doesn't provide significant returns compared to equities.

Public Provident Fund (PPF)
PPF is a safe and tax-efficient investment. Your annual contribution of ?20,000 is good for stable returns. However, considering its lock-in period and return rate, ensure it aligns with your long-term goals.

Employees' Provident Fund (EPF)
EPF contributions are beneficial for retirement, offering tax benefits and stable returns. Your monthly contribution of ?10,000 is a good base, contributing to long-term financial security.

Fixed Deposits (FD)
Fixed Deposits offer safety but with lower returns, often not keeping pace with inflation. Your ?10 lakh in FDs might be too conservative. Consider reallocating some funds to higher-return investments.

Recommendations for Diversification and Growth
Increase Equity Exposure
Equities tend to outperform other asset classes over the long term. Consider increasing your allocation to equity mutual funds or stocks. Actively managed funds often offer better returns compared to index funds, as fund managers can make strategic decisions to outperform the market.

Rebalance Your Portfolio
Regularly review and rebalance your investment portfolio to ensure it aligns with your risk tolerance and financial goals. Diversification across different asset classes can help manage risk while aiming for higher returns.

Benefits of Regular Mutual Funds
Investing through a Mutual Fund Distributor (MFD) who is also a Certified Financial Planner (CFP) can provide valuable guidance. Regular funds often come with advisory benefits that can help you make informed decisions, balancing growth and risk effectively.

Avoid Direct Mutual Funds
While direct mutual funds have lower expense ratios, they lack advisory services. This can be a disadvantage if you are not well-versed in market trends and investment strategies. Regular funds, through an MFD with CFP credentials, offer personalized advice and better support.

Maintain Adequate Insurance Coverage
Ensure your life insurance coverage is adequate to protect your family in case of unforeseen events. However, do not over-invest in insurance products as they generally offer lower returns compared to other investment options.

Assessing the Decision to Buy a Flat
Buying a flat is a significant financial decision. Here are some factors to consider:

Financial Burden of EMIs
Calculate the potential EMI and ensure it doesn't exceed 30-40% of your monthly income. Consider future expenses, such as children's education, while making this decision. Buying a flat might impact your cash flow and savings ability.

Renting vs. Buying
Evaluate the cost of renting versus buying. In some cases, renting might be more cost-effective and flexible, especially if property prices are high. Consider the total cost of ownership, including maintenance and taxes, when making your decision.

Long-term Goals
Ensure that buying a flat aligns with your long-term financial goals. If it hampers your ability to save for retirement or other goals, it might be better to wait or explore more affordable options.

Conclusion
Your current financial plan is robust, but there is always room for improvement. By increasing equity exposure, rebalancing your portfolio, and carefully evaluating the decision to buy a flat, you can ensure financial security and growth.

Remember, the key to successful financial planning is regular review and adjustment based on changing goals and market conditions. You are on the right track, and with some strategic adjustments, you can enhance your financial well-being.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Ramalingam Kalirajan  |3722 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 28, 2024

Asked by Anonymous - May 28, 2024Hindi
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Money
SIR, I AM A BUSINESSMAN WITH ASSETS IN THE FORM OF LAND AND HOUSES EQUIVALENT TO Rs 15 CR I M 55 YEAR OLD WITH ONE DAUGHTER WHOSE MARRIAGE IS FIXED IN DEC 24 , MY WIFE IS ALSO A TEACHER AND HAS A FD OF 1CR MY CURRENT MONTHLY EXPENSES ARE 1.5 - 2 LAC PER MONTH NO HEALTH INSURANCE AND LIFE INSURANCE IS 1 CR WHICH WILL BE A GOOD AMOUNT IN WHICH WILL GIVE ME AND MY WIFE SAME OR BETTER LIFE STYLE IN ANOTHER 20 YEARS CONSIDERING INFLATION AND A SAFE INVESTMENT
Ans: Financial Planning for a Comfortable Retirement
Thank you for sharing your financial details. You have a solid foundation with significant assets and a fixed deposit. Let’s explore a strategy to ensure you and your wife maintain or improve your lifestyle for the next 20 years, considering inflation and safe investments.

1. Evaluating Your Financial Situation
You have assets worth Rs 15 crore in land and houses. Your wife has a fixed deposit of Rs 1 crore. Your monthly expenses are Rs 1.5 to 2 lakh.

2. Setting Financial Goals
Your goals include maintaining your lifestyle, funding your daughter’s marriage, and ensuring a comfortable retirement.

3. Importance of Health Insurance
First, consider getting comprehensive health insurance for you and your wife. Medical expenses can erode savings, so it’s crucial to have adequate coverage.

4. Secure Investment Options
For safe investments, consider the following:

a. Fixed Deposits and Bonds
Continue with fixed deposits for stable returns. Invest in high-quality bonds for additional safety and fixed income.

b. Senior Citizens' Savings Scheme (SCSS)
SCSS offers good interest rates and is a safe investment option for retirees.

c. Debt Mutual Funds
Invest in debt mutual funds for relatively safe returns. They are less volatile and provide better returns than traditional fixed deposits over the long term.

5. Systematic Withdrawal Plans (SWPs)
Invest a portion in mutual funds and opt for SWPs. This provides regular income and is tax-efficient.

6. Diversified Portfolio
Create a diversified portfolio balancing safety and growth. Allocate assets across fixed deposits, bonds, debt mutual funds, and some equity exposure for growth.

7. Inflation Consideration
Factor in inflation when planning. Your investments should grow faster than the inflation rate to maintain purchasing power.

8. Estate Planning
Ensure proper estate planning. Create a will and consider setting up a trust for seamless asset transfer and management.

Conclusion
With careful planning and prudent investments, you can maintain your lifestyle and ensure financial security. Consulting a Certified Financial Planner can help tailor a plan to your specific needs and goals.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Hi I am a 35-year-old woman and my husband is 45. we are made for each other couple. we love each other and we do not have any compatibility issues except in romance. he is not very romantic and even throughout my younger years I was also not very romantic and immersed myself in studies and career. He is not very active in sex also. A few years back I told him that I wanted to be romantic after marriage and now we are not, so I missed my college and early office days when I was in my prime and could have been romantically involved with guys. Since I look very young even at 35, he suggested that I still can move around with guys and get romantic and I need not miss anything even now. though initially declining the offer, I moved a little freely toward men, mostly colleagues, and a few social club members. I encouraged late-night messages, coffee meets, movies, etc. I update my husband on every single event that happens. ex, if I went to a movie with a colleague, I will message my hubby " We kissed", if that happened. he encourages me so much and is happy with whatever is happening, cutting a long story short. though I didn't think it would go so far, I am now romantically very active. soft romance-like messages I do with many. Dating I don't say no to my known circle like colleagues, ex-colleagues, college mates, etc and almost 2-3 times a week I end up dating someone in a coffee shop, pub, or a long drive. A few times I initiate a date too. and I must confess that I have regular intimacy with four young men, all from the same office where I work. I have never hidden anything from my hubby and give a complete account every day. I offered to stop everything any moment he said. but he told me till age is there enjoy life!. I am emotionally connected to my husband only and I do all my responsibilities as a woman. Our relationship has grown manifold. My only question is, am I exploiting my husband's innocence or does he have a cuckold fantasy? If I continue the way I continue with no harm to anyone, can I keep doing it ( I love to). or I should stop at once?
Ans: Dear Anonymous,

After reading your question I understood that your partner and you have, what we call, an open relationship. As long as both partners are okay with the dynamics of it, and no one is emotionally hurt, or resisting, it should be okay. It isn't exploitation if your husband himself encourages you. You are both consenting adults and not harming each other or anyone else. As for your question, if he has a cuckold fantasy, that is something you should discuss with your husband. An open discussion is better than speculation. Also, at any time if you suspect that your husband is growing concerned about the nature of your relationship, ask him directly. It can help avoid misunderstandings.


Best Wishes

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Dating someone older than you is not the problem, but the fact that you are making major life decisions based on what he wants and doesn't want is concerning. I am guessing that you decided to not get married because he doesn't want it either. Is that fair to you? You yourself mentioned that you often feel lonely. Don't you think you deserve better? Don't you deserve someone who would love you and would like to spend the rest of their life with you? Please reconsider this relationship. Speak to your partner and ask him what his plans are for the future. Does he want to settle down with you? How will you two continue this relationship in the future? There are many important questions that need answering. Sort them out and you will have the solution to your dilemma.


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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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