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

50-Year-Old with 15k SIP and 65k Salary: Can I Reach 1 Crore by Retirement?

Milind

Milind Vadjikar  |666 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Sep 04, 2024

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more
Asked by Anonymous - Sep 01, 2024Hindi
Listen
Money

I am age of 50 yrs I have done 15000 sip recently ,my salary is 65k ,I want 1cr at the time of riterment,I have one own house. Pls guide how to make.

Ans: In the absence of information on your other investments and assuming 60 as your retirement age which is ten years from now, the ?15K SIP (scheme not known) assuming 10% returns won't suffice. You will need to enhance your SIP to ?50K to reach the target of ?1 Cr after ten years(Assuming 10% return).
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  |7072 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 26, 2024

Listen
Money
hello sir, i am 40 year old with monthly salary of rs 95K, home loan EMI is 15100, SIP 11000/- monhtly, in ELSS, Sectorial, Large, Mid and Small cap , currently balace home loan is 9.88 L and my investment valus is 5.70L this time, one term lona for 1cr and mediclaim cover 10L, i want to make 1 CR in next 5-10 years, plz suggest me, i have one child in 9th and one in 1st ,
Ans: I understand you're looking to build a Rs. 1 crore corpus in the next 5-10 years. That's a great goal, and with careful planning and investing, it's definitely achievable. Let's break down some things to consider:

1. Reviewing your current investments:

SIPs: Your Rs. 11,000 monthly SIP is spread across ELSS, sectoral, large, mid, and small-cap funds. This diversification is good, but having so many funds might make tracking performance a little complex. We can discuss streamlining this if needed.
Home loan EMI: Your Rs. 15,100 EMI is helping you pay off your home loan. Keep up the good work!
2. Setting priorities:

Term insurance: Having a Rs. 1 crore term insurance policy secures your family's future in case of unforeseen events. It's a wise decision.
Medical cover: A Rs. 10 lakh mediclaim cover is good, but depending on your family's needs, you might consider increasing it in the future.
3. Achieving your Rs. 1 crore goal:

Increase investments: Consider if you can gradually increase your monthly SIP amount. Even a small increase can make a significant difference over time.
Review your asset allocation: We can discuss if your current investment mix aligns with your risk tolerance and goals. Actively managed funds, unlike index funds, can potentially outperform the market over time. We can explore options that suit your risk profile.
P.S.

While real estate can be a part of a long-term investment plan, it requires significant capital and ongoing management. Actively managed funds offer diversification and the potential for growth.
Regularly review your investments and financial plan to ensure they remain aligned with your evolving goals. Building a corpus takes time and discipline. Stay invested for the long term to ride out market fluctuations.
Considering consulting a Certified Financial Planner (CFP):

A CFP can create a personalized financial plan considering your income, expenses, goals, and risk tolerance. They can help you choose the right investments and stay on track. Consulting a CFP can be especially helpful when building a large corpus like Rs. 1 crore.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7072 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 05, 2024

Money
Hello sir....my age is 35... I earn only 20 k pm...and my sip only 1000 rs....how to make 1 CR before (60 age)
Ans: At 35 years old and earning Rs. 20,000 per month, you have a SIP of Rs. 1,000. Your goal is to accumulate Rs. 1 crore by age 60. This is a long-term goal requiring a strategic and disciplined approach. Your commitment to investing despite a modest income is commendable. Let's work on a plan to achieve your financial goal.

Importance of Early and Regular Investments
Starting early and investing regularly is crucial for building wealth over time. You have 25 years until you turn 60, which gives you a significant advantage. The power of compounding can greatly enhance your returns, especially over a long investment horizon.

Compounding: The Eighth Wonder of the World
Compounding allows your investment returns to generate additional returns. Over time, this leads to exponential growth. The earlier you start and the more consistently you invest, the greater the benefits of compounding.

Evaluating Your Current Investment Strategy
Your current SIP of Rs. 1,000 is a good start. However, to reach Rs. 1 crore, you need to increase your investment amount over time. Let's explore how to optimize your savings and investment strategy to achieve your goal.

Boosting Your Investment Capacity
Increasing Income
Look for opportunities to increase your income. This could be through skill enhancement, taking on additional part-time work, or seeking promotions and salary increments. Increasing your income will provide more funds for investment.

Reducing Expenses
Analyze your monthly expenses and identify areas where you can cut costs. Even small savings can significantly boost your investment capacity over time. Creating a budget can help you track and manage your expenses effectively.

Gradual Increase in SIP
Aim to gradually increase your SIP amount as your income grows. Even a small increase in your monthly SIP can have a significant impact over the long term. For instance, increasing your SIP by Rs. 500 annually can greatly enhance your corpus by the time you reach 60.

Strategic Allocation of Investments
To achieve your financial goal, it's crucial to allocate your investments wisely. Diversification across various mutual fund categories can help manage risk and optimize returns.

Equity Mutual Funds
Equity mutual funds should form the core of your investment portfolio due to their high return potential. Within equity funds, diversification is essential.

Large-Cap Funds: These funds invest in large, well-established companies. They offer stability and moderate returns.
Mid-Cap Funds: These funds invest in mid-sized companies with higher growth potential. They are riskier but can provide higher returns.
Small-Cap Funds: These funds invest in smaller companies with the highest growth potential and risk.
Debt Mutual Funds
Debt funds provide stability and reduce overall portfolio risk. They are suitable for medium-term goals and act as a cushion against market volatility.

Short-Term Debt Funds: Less affected by interest rate changes, providing steady returns.
Long-Term Debt Funds: Offer higher returns with some interest rate risk.
Hybrid Mutual Funds
Hybrid funds invest in a mix of equity and debt. They offer a balanced approach, providing growth potential and stability.

Aggressive Hybrid Funds: Primarily invest in equity but have a significant debt component for stability.
Conservative Hybrid Funds: Higher debt component, offering more stability and moderate growth.
Advantages of Mutual Funds
Professional Management
Mutual funds are managed by professional fund managers who make informed decisions based on extensive research and market analysis. Their expertise can enhance your investment returns.

Diversification
Mutual funds offer diversification, spreading your investment across various assets. This reduces risk as poor performance in one asset is balanced by better performance in another.

Liquidity
Mutual funds are highly liquid. You can buy and sell mutual fund units on any business day, providing flexibility to access your money when needed.

Power of Compounding
Mutual funds benefit from the power of compounding. Reinvesting your returns allows your investment to grow exponentially over time.

Assessing Risks and Mitigating Them
Market Risk
Equity funds are subject to market risk. The value of your investment can fluctuate with market conditions. However, long-term investment in equity funds usually mitigates this risk.

Interest Rate Risk
Debt funds are affected by changes in interest rates. Rising interest rates can reduce the value of existing bonds in a debt fund's portfolio. Short-term debt funds are less affected by this risk.

Credit Risk
Debt funds also face credit risk, the risk of default by issuers of the bonds they hold. Investing in high-quality debt funds can reduce this risk.

Disadvantages of Index Funds
While index funds track a specific index and offer low costs, they cannot outperform the market. Actively managed funds aim to beat the market through strategic investments. Fund managers of actively managed funds use their expertise to select high-potential stocks, offering better returns.

Benefits of Investing Through Certified Financial Planners
Investing through a Certified Financial Planner (CFP) has advantages over direct investments. CFPs provide personalized advice based on your financial goals, risk tolerance, and investment horizon. They help you select the right mutual funds, monitor your investments, and make adjustments as needed. Their expertise ensures your investments are aligned with your financial goals.


Your commitment to investing despite a modest income is admirable. It reflects a strong sense of financial responsibility and foresight. Your dedication to building a secure financial future is inspiring and deserves appreciation.


Balancing financial commitments while planning for future goals is challenging. Your efforts to secure a strong financial foundation for yourself and your loved ones reflect a deep sense of responsibility. It's clear you care about achieving financial independence and stability.

Final Insights
Reaching Rs. 1 crore by age 60 is achievable with disciplined investing and strategic planning. Focus on increasing your income, reducing expenses, and gradually increasing your SIP amount. Diversify your investments across equity, debt, and hybrid mutual funds to balance risk and return.

Your proactive approach to financial planning sets a strong example. With careful management and the right investments, you can achieve significant financial growth and security.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Dev

Dev Ashish  | Answer  |Ask -

MF Expert, Financial Planner - Answered on Jun 25, 2024

Asked by Anonymous - Jun 24, 2024Hindi
Listen
Money
I am 34 Yrs old and having 2 daughters Currently I am earning 1Lakh Salary monthly out of which 35K is moving in a loan no obligation on credit card have started 12k of SIP from last 6 months and 2.5lkhs in Lumsum MF and 2k in sukanya samriddihi for both of my daughter Need 3Cr in next 10 Yrs Please guide
Ans: To reach a target of Rs 3 Crore in the next 10 years, we will have to account for existing assets and fresh investments that you will be doing.

The only details of the existing assets available are Rs 2.5 lakh in Mutual Funds (done in lumpsum) and a monthly SIP of Rs 12,000 for the last 6 months.

In addition, you will have to invest Rs 1.05 lakh per month starting today and increase the monthly investments by at least 7% each year for the next `10 years (assuming a similar increase in salary). This is assuming a 75:25 Equity:Debt allocation.

But the issue is that your income is Rs 1 lakh and you pay Rs 35,000 monthly EMI out of it! And details of other expenses arent known. So we don't have enough surplus left to invest fully to achieve your goals.

It is what it is and hence, you should start investing whatever monthly amount you can manage over and above that and if possible, use your annual bonus/incentives to further top up your investments.

Thanks
Dev Ashish,
SEBI Registered Investment Advisor (Fee-Only RIA)
Founder, StableInvestor.com
Twitter (@Stableinvestor)

Note (Disclaimer) - As a SEBI RIA, I cannot comment on specific schemes/funds that are provided or asked for in the questions in the platform. And the views expressed above should not be considered professional investment advice or advertisement or otherwise. No specific product/service recommendations have been made and the answers here are for general educational purposes only. The readers are requested to take into consideration all the risk factors including their financial condition, suitability to risk-return profile and the like and take professional investment advice before investing.

..Read more

Ramalingam

Ramalingam Kalirajan  |7072 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 07, 2024

Money
sir i am 37 years old i have my savings till date of 600000 inr....i am doing sip of 5k every month just started in october......i want a corpus of 1 cr at the age of 53 years old
Ans: 1. Goal Setting for Corpus Building

You have set a goal to accumulate Rs 1 crore by the age of 53, which gives you a 16-year investment horizon. Having started your SIP in October, you're already on the right path. Consistent investments over the long term can lead to significant wealth creation.

However, accumulating Rs 1 crore requires a well-planned strategy. Let’s break down how you can approach this goal in a systematic way.

2. Current Savings and SIP Contribution

You currently have Rs 6 lakh in savings and are contributing Rs 5,000 per month towards your SIP. While this is a good start, it may not be enough to reach your goal of Rs 1 crore in 16 years. You may need to increase your SIP contributions over time or look into additional options that fit your risk tolerance and time horizon.

3. Incremental SIP Growth

To build a Rs 1 crore corpus, increasing your SIP contribution over time will be important. Consider stepping up your SIP amount annually by a small percentage (e.g., 10%). This allows your investments to grow in line with inflation and your income, giving your corpus a significant boost. By increasing your SIP every year, you can leverage the power of compounding more effectively.

4. Choosing the Right Type of Mutual Funds

Instead of focusing on index funds, which offer lower potential returns, actively managed funds may suit your goal better. Actively managed funds are handled by experienced fund managers who aim to outperform the market. These funds have the potential to generate higher returns compared to passively managed index funds.

In your case, focusing on mid-cap and small-cap funds could provide higher returns over a long-term horizon. These funds tend to be more volatile but have historically outperformed large-cap funds over extended periods. Balanced funds can also help manage risk while providing reasonable returns.

5. SIP through Regular Funds with a Certified Financial Planner (CFP)

It is advisable to invest in regular funds rather than direct funds. Direct funds require you to actively track and manage your portfolio, which may be time-consuming and difficult without expert guidance. By going through regular funds with a Certified Financial Planner, you receive expert advice, periodic portfolio reviews, and better fund management. The small additional cost of regular funds is justified by the value a CFP brings in terms of fund selection and ongoing support.

6. Tax Efficiency of Mutual Funds

It’s crucial to consider the tax implications of your mutual fund investments. For equity mutual funds, long-term capital gains (LTCG) above Rs 1.25 lakh per year are taxed at 12.5%, while short-term capital gains (STCG) are taxed at 20%. This means that holding your investments for more than one year not only gives you the benefit of compounding but also reduces your tax liability.

Debt mutual funds, on the other hand, are taxed according to your income tax slab. Since your goal is long-term wealth creation, equity mutual funds should form a larger part of your portfolio, as they offer better tax efficiency.

7. Emergency Fund

While building your corpus is a priority, don’t forget to maintain an emergency fund. This should be at least six months’ worth of your expenses. Your current savings of Rs 6 lakh can partially serve as this buffer. Having an emergency fund ensures that you won’t have to dip into your investments during unforeseen circumstances.

8. Avoid Investment-cum-Insurance Policies

If you hold LIC, ULIP, or other investment-cum-insurance policies, you may want to reconsider these investments. These products often come with high charges and lower returns compared to mutual funds. It is more beneficial to separate insurance and investments. You can surrender such policies and reinvest the amount in mutual funds, which are likely to give you better long-term returns.

9. Focus on Equity Exposure

Equity investments tend to outperform other asset classes over the long term. To build a Rs 1 crore corpus, your portfolio should have a substantial equity exposure, especially in the early years. As you get closer to your goal, you can gradually shift a portion of your portfolio to safer debt instruments to protect your accumulated wealth.

A diversified portfolio that includes a mix of large-cap, mid-cap, and small-cap funds would help balance risk and reward. Since you are in the accumulation phase, consider having a higher allocation to mid-cap and small-cap funds, as they have the potential to provide higher returns over the long term.

10. Review Your Portfolio Regularly

A critical part of building your Rs 1 crore corpus is to review your portfolio regularly. This does not mean you need to check your portfolio daily or weekly. A quarterly or half-yearly review with your Certified Financial Planner is ideal. This will help you ensure that your portfolio is on track, and any underperforming funds can be replaced or adjusted accordingly.

Regular reviews will also help you stay updated on changes in market conditions, tax regulations, and your personal financial situation. You can rebalance your portfolio as needed to maintain the right asset allocation and risk profile.

11. Consider Additional Investments

Apart from SIPs, you can consider making lump sum investments whenever you have extra funds available. If you receive a bonus, tax refund, or any other windfall income, investing it in your mutual funds can significantly boost your corpus. Since you’re still early in your investment journey, making lump sum contributions can take advantage of market fluctuations, enhancing your returns over time.

12. Keep Your Investment Horizon in Mind

While the goal is to accumulate Rs 1 crore by age 53, it’s essential to remember that markets can be volatile in the short term. Don’t get discouraged by short-term fluctuations. The longer you stay invested, the more you benefit from compounding. Stay focused on your long-term goal, and avoid reacting to market volatility by making premature withdrawals or stopping your SIPs.

13. Importance of Financial Discipline

Achieving your financial goals requires discipline and commitment. Continue your SIPs consistently, even during periods of market downturns. This ensures you are buying more units when prices are low, which can boost your returns when markets recover. Your goal of Rs 1 crore is attainable with disciplined investing and by periodically increasing your SIP contributions.

14. Protect Your Investments with Insurance

While building your investment corpus, don’t forget about protecting your family and your investments. Ensure you have adequate life insurance and health insurance. A term insurance policy is a good way to provide financial security to your family. Avoid mixing insurance with investments, as it dilutes the benefits of both.

Having sufficient health insurance will also ensure that medical emergencies do not force you to dip into your savings or investments.

15. Final Insights

You are on the right track by starting your SIPs early and having a clear financial goal. With consistent investing, proper fund selection, and incremental SIP growth, achieving your Rs 1 crore target by 53 is possible. Focus on increasing your SIP contributions over time, review your portfolio regularly, and maintain financial discipline.

Always remember the importance of equity exposure for long-term goals, and avoid investment products that mix insurance with returns. Protect your investments by having adequate life and health insurance.

Stay committed to your goal, and consult with a Certified Financial Planner to ensure you are on the right path at every stage of your financial journey.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

Latest Questions
Ravi

Ravi Mittal  |428 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 21, 2024

Asked by Anonymous - Nov 15, 2024Hindi
Listen
Relationship
I am a 25 year old girl. I have good job and happy career wise. I am in a relationship with a boy who is very career oriented, and runs from the marriage topic also. My parents are now behind to me to get married. I am also interested in getting married and settle in my. When I told my boyfriend about this. He gets furious. He don’t want to communicate with me on this. He don’t give any attention to my problem. He says if you really love me then you will love and you will do whatever needed to be done. Now everything is on me.I am very confused what to do. I can’t tell my parents about him, as he is not ready. I also have a fear, that this boy is not going to marry me, so am I leaving good boys which my parents are showing me. Am I already late...what if I don’t get anyone, will I have to compromise in my life If I will delay. Please help!!
Ans: Dear Anonymous,
Let me start with the most important thing- you are far from late. You are only 25; I would say this is your time to focus on your career and live a little. But if you are ready for marriage, then that is great too. But do not ever think that it's too late. It isn't even a little late. If anything, in today's day and age, it's early.

Now coming to your boyfriend- have you ever asked him if he has any plans to get married or if he intends to continue this relationship without ever committing to marriage? It's important that you discuss this. And his dialogue, "if you really love me then you will love and you will do whatever needed to be done" doesn't make any sense because you can tell him the same. I suggest you speak to him openly and let him know that you want to get married- if not right now, but somewhere down the line you want marriage. If his intentions are not the same, he should let you know so that you can move on and find someone who shares the same outlook as you. And, to be honest, not paying attention to your problems is concerning. In a relationship, two people should help each other out in times of trouble.

Please have the talk and reconsider the relationship according to how it goes.

Best Wishes.

...Read more

Ravi

Ravi Mittal  |428 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 21, 2024

Ravi

Ravi Mittal  |428 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 21, 2024

Asked by Anonymous - Nov 21, 2024Hindi
Listen
Relationship
I (27M) have recently started searching for prospects through Arranged Marriage Platforms. I got connected with a Lady (25F) & we seemed to be getting along quite well, through chatting & phone calls. When we were planning to meet in person, for our first Date, she picked a place which is one of the most expensive ones in our City & just a single Date over there may cost us around ?10 Thousand. Though, I am earning pretty well (?30Lakh/Annum), I am reluctant to spend so much amount on our First Date, whilst we are still in the process of getting to know each other. If I'd been Married to her, I'd be willing to spend that much for celebrating our Wedding Anniversary. But this is just our First Date & I am not even sure whether we'd be getting Married or not. The Date is scheduled for next Month & I'm still in Dilemma, whether I should request her to meet up at a more affordable venue or ask her to split the expenses, equally or proportionate to our Earning (She earns just around ?6 Lakh/Annum). I'm afraid that being so Straight-forward & upfront about Money Matters, at this stage, might give her a negative impression about me. She seems to be having a lot of Materialistic Expectations from me, as I earn much more than her & she has been hinting me about her expectations such as Expensive Gifts & Vacations abroad. Even though I am a person who's very cautious & disciplined with Money, I'd be glad to spend generously, for the happiness of my Life Partner, but not at this stage, when we haven't even committed to each other. Please suggest me, how can I handle this situation without coming off as too miserly? Moreover, I'm also planning to discuss some important matters, such as how we'd be handling our Finances in the Future. But I am worried, whether it would be appropriate to bring up this matter, in our very first personal meet-up? I'm afraid that she might Judge me as too Money-minded & I might lose out on a suitable match. Please Help me.
Ans: Dear Anonymous,
Your concerns are completely valid. Splurging, especially at this stage, is unnecessary. Good connections can be built anywhere; expensive places play no part in it. Also, being disciplined about money is the right approach.

I understand that you are worried about coming off miserly, but you are not. You are merely being responsible. You can suggest another more affordable place and see how she reacts. If she is okay with it, then great. If not, then you should rethink this match. You don't want to marry someone who is in it for the money. Now, coming to discussing how to split the finances, I would suggest you wait a bit. A first date might not be the right place for it. If all goes well, and you think this woman can be a suitable match, bring it up politely on the second or third date, to have clarity on it early on. For instance, you can casually start by giving an example of a friend who recently got married- something like, "Rohan's wife takes care of the groceries and stuff, while he pays off the bill." And then mention that you were wondering how you two should split it if you happen to get married. It is a reasonable question and should not show you off as money-minded. It's always best to discuss these important matters in the initial stages to avoid any conflict in the future.

Hope this helps!

...Read more

Ravi

Ravi Mittal  |428 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 21, 2024

Asked by Anonymous - Nov 20, 2024Hindi
Listen
Ravi

Ravi Mittal  |428 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 21, 2024

Asked by Anonymous - Nov 20, 2024
Relationship
Hello, I am married for 4 years. And someone from my office loves me. He wants me to love him also even if I am married. That office colleague take too much efforts for me, he listens everything about me, he cares about me. But my husband only focused on his work. So I want love, that boy is the best for the love. But loving another man even if you have husband is cheating. I don't know but I feel that I want both of them and I am confused about it. I also love that man from my office. I am so much confused.
Ans: Dear Anonymous,
I understand that you are feeling undervalued by your husband but the "I want both of them" approach has never worked out well for anyone, especially in an exclusive relationship. You have a few options here-
You speak to your husband about how the lack of attention from him is affecting you and work on it with him.
Tell him openly about this man and let him know that there's a slight chance that you might develop feelings for him if your husband continues to pay all his focus on work and none on you. This could shake him up from his slumber and help him realize that he has not been fair to you.
Opt for separation- if you do not have an open marriage, you cannot have both of the men. It isn't moral to do this behind your partner's back.

I strongly suggest you consider doing the first option. Communicate your feelings of loneliness to your husband and seek help from a marriage counselor. It can do wonders for your relationship.

Best Wishes.

...Read more

Dr Shakeeb Ahmed

Dr Shakeeb Ahmed Khan  |127 Answers  |Ask -

Physiotherapist - Answered on Nov 21, 2024

Asked by Anonymous - Nov 19, 2024Hindi
Listen
Health
Hello Dr.Shakeeb, I’m a 55 yrs male, had stents implanted in 2020 because of bad food habits and lack of regular movement, things have improved since then with better control on food habits. My problem is belly fat which is embarrassing and my weight is 77kgs, I was on knee braces for last 30 days bcoz of a slight ligament strain, so not able to do strenuous exercises. Pls suggest a workable regime for belly fat elimination considering my case history.
Ans: Hello Sir. Thank you for your query. Reducing belly fat requires a combination of calorie control, low-impact exercises, and lifestyle changes, tailored to your health history. Start by maintaining a slight calorie deficit of 200-300 kcal/day, focusing on a balanced diet rich in lean proteins, complex carbs, and healthy fats while avoiding sugary and processed foods. Drink 2-3 liters of water daily to stay hydrated. Engage in low-impact activities like brisk walking for 30-40 minutes daily, which is gentle on the knees and heart-friendly. Incorporate simple core-strengthening exercises such as pelvic tilts, seated knee lifts, and standing side bends to activate abdominal muscles without straining your knees. As your ligament strain heals, consult Physiotherapist about gradually increasing exercise intensity, including light resistance training. Prioritize 7-8 hours of quality sleep and manage stress through mindfulness to lower cortisol levels, which can contribute to belly fat. Small, frequent meals can keep your metabolism active, and tracking progress through waist measurements rather than just weight will help you stay motivated. These adjustments will promote gradual, sustainable fat loss while ensuring safety and heart health. I wish you healthy and active lifestyle.

...Read more

Anu

Anu Krishna  |1318 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 21, 2024

Relationship
Dear Anu Krishna, I'm 48 married with 2 kids daughter in 10th and son in 5th. Wife works as a VP in a large firm. Since post COVID there has been almost no intimacy. I tried to talk to her and she says that I'm a sex maniac. I said once in six months at least she says not interested. She s fit in good health exercises and all tests are ok. Last year my friend's wife informed me about their private WhatsApp messages and I was shocked. We go on tours and trips and functions and everything externally is normal. I buy her gifts and we go out to restaurants etc. Everything except intimacy. I've tried to talk about 50 times but she doesn't want to talk not seek any help. Infact the signs of this started from 2016. She's 43 now. I m thinking of now seperating from her. Im really fed up. Nothing is working, and she's adamant. I've pulled on for kids but maybe I can be together for a few more years. I can't live with her forever. You generally ask people to get help and talk etc which is done and tried and yet no solution. Can you agree for once that there is a genuine case to not continue It's my life I know but I think I'm 100% right and that i have hit the end of the road. Inhold you in high regard hence writing to you Sameer
Ans: Dear Sachin,
Thank you for your kind and respectful acknowledgement of me.
Now,
You wrote:
Last year my friend's wife informed me about their private WhatsApp messages and I was shocked. - What was shocking? You have not shared this!

Lack of interest in sex can be due to:
- change in hormones
- boredom in the bedroom routine
- lack of intimacy outside the bedroom

Now, what I must agree on is something that we can keep aside, yeah? My job is to try and guide people to put things together of course, if that's what they want. You seem to have already believed that nothing can work; how can anyone guide you? When you claim that you nothing is working, I will still ask you, "How do you know that you have tried everything to know that nothing is working?"

Also, if you have decided to separate, what more can I suggest? You feel that you are 100% right, BUT you know what: If you actually were 100% right, you would not be here checking in with me...Just playing the mirror here for you.
I still would suggest that you work on your marriage; communicate and rebuild...it's a long path BUT the fruits of it can be amazing!

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  |1318 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 21, 2024

Asked by Anonymous - Nov 18, 2024Hindi
Listen
Relationship
Hi , I am married 2.5 years ago to a man , who is very less in education compared to me , this marriage was done as a compromise or in worries about my future as my parents are no more .. He and his family is average in all case ..cleanliness, hygeiene , social relations, religious practices , education , self respect , financial well being ... all these things are either meaningless for them or they vary poor in those . Nor even they have moral values , as they have cheated me by hiding my husband's age to me . I told them that we strongly believe in astrology and will not go without it . Still they gave me wrong information about his age and he is very elder to me .As I am well educated , employed and self dependant. So they somehow trapped me for marriage. After 3-4 months of marriage my husband was diagnosed (a type of oral cancer) caused due to consuming gutkha and ciggarettes. He lied and denied to have any disease still i started his medication . In some time I lost my job also still continued his treatment , tried to help him in his business , it made a big impact on my sqving too :( But because of his careless business practice , it didnt work for him. Also I paid many times his car's EMI . And supported in all types of expenses be it house hold , his medication or business . He has parental properties in village but they are hardly using it for their own use and wanted to use my money till now . As I now denied to give more money , now they have started looking to sell or rent / lease their property for their use . I have spent lot of money on them , I hardly believe they will try to pay it out fully to me or give some part of property for my safe future now :( I am now 43 and have no children . At other hand my brother is also alone( even being his wife and 2 sons) Wife is quarrelsome and has a history of false case of dowry on my brother and due to this my brother and my family sufferered a lot , its been 20 years now . But this has tortured my brother me and my mother a lot in past .Sis-in-law never let my nephews to stay or sit for some time with us (me or my mother ). And now as my both nephews have grown up my sis-in-law told them lie as if she was victim and , we were the culprit . Children were innocent , they didnt knew the fact , hence taking mother's side now. I thought that as my sis-in-law doesn't like us so unwillingly I decided to marry with a compromise , thinking that after my marriage all will be fine in brother's home , But nothing improved. And now my brother , after my marriage is emotionally alone at home , I feel very sorry about this . I want to go back and take care of my brother , as now he is 53 and emotionally very weak , diabetic and suffering other disease too . Sis-in-law is least interested in his health , care .. so as her children. Going back to parental (it is my father's home, so i also have legal right on that property )home and leaving husband is not so easy, .. Elder Nephew and sis-in-law can become very violent as they are always . I dont want to endanger my brother's health and if I dont go then also .. brother is taking care of him alone ..that too very casually ..how can i make all things correct . Please suggest .
Ans: Dear Anonymous,
Hello! Excuse me...
Take care of yourself first before trying to save someone else.
Your brother is a grown man and knows what is to be done. Allow him to process his life's situations. By stepping into it especially in your state of mind will make things worse. Also, if you want guidance on this, kindly post another question else it will get confusing for all of us here.

First think of what you must do to make things better for yourself. Ask yourself whether you are interested in continuing the marriage. A lot of your time, money and energy has been invested in it and based on a lie. You have no clue what else they have lied about...do you want a marriage that is standing on a bed of lies? is it possible for you to trust your husband and his family all over again? What can they do so that you place trust in them again?

If this is not possible, the you are in a place where you need to make decisions about your marriage and your life in general.

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

...Read more

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

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